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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利率新动向：

3年浮动 P+0.15%

' ~# }5 @/ x! }- M5年浮动P+0.30%
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  N9 s8 V: T' r8 N$ d3 G0 E4 F: ^3 year  fix  3.39%

5 ~7 h6 m" l% E* n+ B4 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

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我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
1 \7 b3 ^- c# @+ plunik 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!
3 \7 x+ l6 v' c; Qmeijuli66 发表于 2009-8-15 23:33

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Variables Get More Competitive
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  L( Z# i/ b% j' ^3 z" | Variable-rate mortgages are inching closer and closer to prime.
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* b# u6 [6 h' s5 W* t! c1 WThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

4 B/ Z. G5 }; n) Q7 VMerix 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.
$ x' }9 }* \# U! S3 r) |8 V, Q. ^1 YYou might ask yourself, “Why would I want a variable term under five years?”  
3 E; @0 G' e/ Z6 {2 v! r4 kThe 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).
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1 m4 C% R" R7 J: k! \3 `2 y# NWhat’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.

  p1 R/ r0 j- z* U7 zThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
年轻的心 发表于 2009-8-16 14:13

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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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3年浮动 P+0.10%

* H& w6 v4 ~. z' f5年浮动P+0.20%
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" C7 }) W9 x  H3 year  fix  3.39%

- i$ R% V  l8 d9 V/ K4 year  fix  3.85%
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5 year  fix  3.99%
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