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：

" W( b4 A1 `7 y2 R- Z6 \; y3年浮动 P+0.15%
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5年浮动P+0.30%
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# d" H* {" o" b) [) C+ Q2 P5 s3 year  fix  3.39%

+ K/ F1 E& R4 x, F' G* E; n8 ?4 year  fix  3.85%
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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

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

2 T0 r9 ]: n! x) \2 x2 o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%

- b3 k: }7 D( j4 x$ G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

Variables Get More Competitive
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7 q6 F# b! J: w Variable-rate mortgages are inching closer and closer to prime.
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" P( F( j7 ^5 q$ @This 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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3 I) m$ C1 x( j7 aMerix 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.
# U! V! K3 }9 @" t6 j! aYou might ask yourself, “Why would I want a variable term under five years?”  
* e$ b( U3 ?* V2 dThe 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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What’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

+ V9 P- U; q: n6 s( ] Variable-rate mortgages are inching closer and closer to prime.
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This 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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" `1 H+ N. E7 N4 Q' m8 P4 Gthank 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：

  T2 U# Q3 B: z7 y) a3年浮动 P+0.10%

5年浮动P+0.20%

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# I( u0 `4 U' |3 k, y+ j5 a3 year  fix  3.39%

4 year  fix  3.85%
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5 year  fix  3.99%
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