利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

利率新动向：

7 ?+ a: Z7 B$ B3年浮动 P+0.15%
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8 j: Y8 ?; l, c3 |! }0 d5年浮动P+0.30%


3 year  fix  3.39%
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4 year  fix  3.85%

2 D8 k9 X5 }! P5 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

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
* N' j+ U8 W% C" ?4 xlunik 发表于 2009-8-14 19:20

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  z9 K$ X9 |! ?6 m- C! Q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%
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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 c# J3 N- w$ F% _% ?! S" Pmeijuli66 发表于 2009-8-15 23:33

Variables Get More Competitive
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3 \$ D/ [( m8 j: M/ l6 ]* h Variable-rate mortgages are inching closer and closer to prime.
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: _1 ?8 E8 t' I2 O" Y) cThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.
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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?”  
5 L5 S3 [: [' Y- `  y6 PThe 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).

' d- M# I+ Z/ W- k5 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

7 D# j9 I' C8 u4 M1 r5 Z# H7 X: v Variable-rate mortgages are inching closer and closer to prime.
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/ E/ M( m! C+ G; OThis 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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8 V& A8 @2 U9 G2 {" X* uthank 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：

, R/ C% I: t# s9 i  V3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%

4 year  fix  3.85%

5 year  fix  3.99%
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