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：

. U# ?% b* v% P* f4 n/ n- A5 m3 c3年浮动 P+0.15%

7 ^0 A9 r. }; I7 L  x8 C, R, O. x5年浮动P+0.30%

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3 year  fix  3.39%

4 year  fix  3.85%
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' |' L# D  Q  Y: E5 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！
lunik 发表于 2009-8-14 19:20

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- X7 b' c3 L- O) j+ Y: p( w& _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。
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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!
meijuli66 发表于 2009-8-15 23:33

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- U' E* a  p' Z0 `" j/ |( [Variables Get More Competitive
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; `( y+ l2 [2 i8 ]( P7 g9 N Variable-rate mortgages are inching closer and closer to prime.

4 B0 U3 ^  x& O0 ]- w4 g, VThis 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.
# C' f3 i- a. i% C$ x2 V, RYou might ask yourself, “Why would I want a variable term under five years?”  
The 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).

  u7 r) \, N# [1 s  {3 W0 s+ RWhat’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

. i: g8 z2 e* w! i0 ] Variable-rate mortgages are inching closer and closer to prime.

This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
9 _% K1 i- C8 a; w1 g3 j% z- P年轻的心 发表于 2009-8-16 14:13

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$ B' V4 S" u0 O% m8 Ythank 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：

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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4 year  fix  3.85%
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! X# R) }: w4 a1 Z9 c& Q, J( N5 year  fix  3.99%


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