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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9 Y! R. R  @* ^: \5 \0 T2 e利率新动向：

6 \: h3 V* y+ M; g- X' S3年浮动 P+0.15%

0 I* x0 D: L- p; F! I) V5年浮动P+0.30%

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3 year  fix  3.39%

4 year  fix  3.85%
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& g9 \6 q# }' s/ c. Q& C2 R5 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 r% b* G0 a# h+ k% ~2 zlunik 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。
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7 C+ A2 T+ w8 U- _/ |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!
7 U0 M7 i0 ]' r; g' O6 tmeijuli66 发表于 2009-8-15 23:33

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4 f" h' |! F3 X% t/ RVariables Get More Competitive
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Variable-rate mortgages are inching closer and closer to prime.

* B7 q' l$ v4 f" 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?”  
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).

1 q# N( F( R4 g0 M! G# xWhat’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.

8 Y) C3 ~2 w5 b! q) w; k" H- sThis 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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0 d- I) D1 j7 I+ t3年浮动 P+0.10%
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! H2 ]4 X( g! A0 `5年浮动P+0.20%
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- ~" @9 L+ p9 ]/ L3 year  fix  3.39%

0 S5 J+ {( q) q5 ?0 x& J4 year  fix  3.85%
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5 year  fix  3.99%

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