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 N' k% B) T& R+ h: T+ Y5年浮动P+0.30%


3 year  fix  3.39%

4 year  fix  3.85%

) L: D( v% p2 d0 g2 g5 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

% h4 I- ?# W) S! i/ p) z/ b

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

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。

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!
meijuli66 发表于 2009-8-15 23:33

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- v* X: X  t, d0 qVariables Get More Competitive
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Variable-rate mortgages are inching closer and closer to prime.
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* O0 t; P; R8 UThis 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.
( Y# ~# R- a0 B, EYou might ask yourself, “Why would I want a variable term under five years?”  
7 V% i5 m- O2 J$ OThe 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).

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

Variable-rate mortgages are inching closer and closer to prime.
4 r' r% i3 k5 \, X1 W7 Y. ^% Y
, ]5 ?+ D" O5 I& `: d/ wThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
/ ^1 u2 Z" B8 W' J) Q) [: r$ W4 J年轻的心 发表于 2009-8-16 14:13

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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3年浮动 P+0.10%
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5年浮动P+0.20%
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+ Z  j  g% u+ H. B, |0 t3 year  fix  3.39%

' z5 }, i) X$ f1 l4 year  fix  3.85%
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5 year  fix  3.99%
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