利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

' S& K+ {; Q1 Z/ ]% H0 d利率新动向：

3年浮动 P+0.15%

5年浮动P+0.30%
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( ?3 v' h$ y: e. X1 e1 v* \3 year  fix  3.39%

4 year  fix  3.85%

- a9 v5 H: S2 {7 o0 [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

, Y) S7 |' _' @

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%

7 S# T8 |$ d5 g; m" \$ Y% |6 k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!
) P7 K& X/ P) u5 M: Hmeijuli66 发表于 2009-8-15 23:33

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/ j% {+ v7 e( l) l9 a" aVariables Get More Competitive
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Variable-rate mortgages are inching closer and closer to prime.
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/ n# z5 X* ~* K+ V: }5 E6 p1 JThis 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.
% }6 }# C; r& n$ g$ S. kYou 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).

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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+ m2 r8 t- E, S9 d* H, g Variable-rate mortgages are inching closer and closer to prime.

7 p$ i, _% m. R4 U1 W* W3 L) JThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
' @3 y5 k7 c& _: O年轻的心 发表于 2009-8-16 14:13

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( h6 t# y$ n8 J! z4 Ithank 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%
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5年浮动P+0.20%
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4 W% y6 M8 Q; V' D3 year  fix  3.39%

0 P( u, T+ W2 {, [; H) y4 year  fix  3.85%

5 year  fix  3.99%
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