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：
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3年浮动 P+0.15%
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5年浮动P+0.30%
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8 ^, K" H$ d! G1 `( Q3 year  fix  3.39%
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, F4 X- N# n& ~1 q, z/ J* ^  O8 z4 year  fix  3.85%
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) g6 \( T" r: m. v9 w, q! O5 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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: {5 h* C; [7 z9 {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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% u3 f% p0 D7 k; n; V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%

# a4 w3 [4 ^7 T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

0 |1 ], r: q, u/ L, |. C7 S! A7 p$ jVariables Get More Competitive

1 h( p" R+ Y1 a( E' B. l8 l 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’t been this low since last fall.

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?”  
% }0 r2 j/ V9 I) a0 UThe 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
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Variable-rate mortgages are inching closer and closer to prime.

5 a1 p- S" E" R2 ~This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
* G) }' V7 j* h% S( q年轻的心 发表于 2009-8-16 14:13

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% |7 z$ t& E% P& k  G, y( ^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：

3年浮动 P+0.10%

) ]5 I% B1 F$ q5年浮动P+0.20%
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3 year  fix  3.39%
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" H0 L6 T  z& G+ Y0 E4 year  fix  3.85%
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5 m" W0 J" B1 h% }/ o/ y5 year  fix  3.99%

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