利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

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; v. n$ p1 `) _利率新动向：

3 o1 K! l5 T% c5 d$ S3年浮动 P+0.15%
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5年浮动P+0.30%

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3 year  fix  3.39%

4 year  fix  3.85%

5 year  fix  4.09%
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lunik

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！

年轻的心

; q. j! A+ z4 s! l9 D

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
+ z& W  T$ @5 ^+ G& E' Z+ N- ilunik 发表于 2009-8-14 19:20

信用分数在620分以上，稳定工作2年以上。别的要求跟大多数银行差不多，也没有特别限制。

提前还款为20/20, 即每月可以多付每月基本还款的20%， 每年可以多还剩余本金up to 20%，两项之和不超过20%

例如：贷款20万，每月应还$900. 你每月可以还到$1080；每年可以再最多还剩余本金 200000 x 20% - 180x12 = 37840，即多还的两项之和不超过40000.

meijuli66

请问哪些银行可以提供5年浮动的prime+0.3%? 多谢!

年轻的心

请问哪些银行可以提供5年浮动的prime+0.3%? 多谢!
$ Y- h8 m. R' X7 X3 L" \5 x' d& }6 Lmeijuli66 发表于 2009-8-15 23:33

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Variables Get More Competitive

Variable-rate mortgages are inching closer and closer to prime.

) F$ }" n- x$ {7 q5 s9 |$ BThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

Merix and MCAP were among the lenders cutting rates this week.  Each is now offering prime + 0.15%, on 3-year and 32-month terms respectively.
You might ask yourself, “Why would I want a variable term under five years?”  
  t3 K. D2 g& u4 IThe answer is based on the belief that variable-rate mortgages will once again be offered at discounts to prime.  If that occurs in the next 3 years, then a 36-month term lets you reduce your rate quicker than if you were locked into a 5-year term (unless you broke early and paid the penalty, of course).

- q* N4 p0 s8 |- C8 h6 c! kWhat’s more, these shorter-term variables are priced a little better than 5-year variables (2.40% for a 3-year versus 2.45% to 2.65% for a 5-year).

nmz

好消息！

meijuli66

Variables Get More Competitive

Variable-rate mortgages are inching closer and closer to prime.
: B2 y) W1 o* u( V9 J" }1 f4 Q
This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
/ q9 o+ G4 M0 b' P年轻的心 发表于 2009-8-16 14:13

# W" {  Y0 x4 ]thank you very much!

meijuli66

非常感谢，确实是好消息，希望其他贷款机构也都降利率！

年轻的心

利率新动向：
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5 V; w( x. ~1 F; ^3年浮动 P+0.10%
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5年浮动P+0.20%

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3 year  fix  3.39%
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# K! q' @0 l) c+ f0 ]9 O2 q, I1 c: Q4 year  fix  3.85%
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% |5 q3 G& i0 N/ v5 year  fix  3.99%




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