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：
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  B: l) ^3 m) F/ e$ \" I4 z/ H3年浮动 P+0.15%

5年浮动P+0.30%

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3 year  fix  3.39%
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2 G6 V/ y! ]7 M; h* X4 year  fix  3.85%

% D4 b6 ^& h' l" i4 U. W* M5 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！
- C5 b% |! S) jlunik 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。

$ H  j5 d& p' 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%

0 Q! Y; W# [, }1 }% i7 @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!
( }" Z4 q3 [8 j& Imeijuli66 发表于 2009-8-15 23:33

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Variables Get More Competitive

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’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.
5 Y' }/ D/ R. a. q+ K. wYou might ask yourself, “Why would I want a variable term under five years?”  
( R' ]: T; J; ?2 sThe 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).

+ m' G- l( P3 {  pWhat’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

% z& `  z' ]. j" ]1 P+ [- O. ] Variable-rate mortgages are inching closer and closer to prime.
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5 e; ?' }. m: P/ J; A- KThis 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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( S! \4 ]0 X; a$ c9 J7 Dthank 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：

4 I/ m8 |% l1 \* O1 Z. T+ Y3年浮动 P+0.10%

4 w) ~9 b* G3 ?" G! r/ ], I5年浮动P+0.20%

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3 year  fix  3.39%

' i* l. A# V. ?0 {  L4 j4 year  fix  3.85%
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+ y' p3 D8 |! D3 B  ~( I2 a5 year  fix  3.99%

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