利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

3 |* K# S/ g; A8 p0 e6 G$ Z
/ u5 d! K( R: X利率新动向：

3年浮动 P+0.15%

5 z$ X( G6 W3 D* `6 D7 `5年浮动P+0.30%

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: v6 [3 h* P: J; ?% h) V6 @3 year  fix  3.39%

: l2 K  h& m- r6 W6 i/ B4 year  fix  3.85%
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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

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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8 F2 E/ ~3 k. G) P$ \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。

; |0 p( v& ]# J  K) A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%

  B# J  E/ I! M% Y5 u) Z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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' g* N* S+ w6 a; R6 j6 x- pVariables Get More Competitive

0 S+ T* F6 q! K' n" ~/ { 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.
) @4 F* L9 C! l9 m$ gYou 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).

5 q/ {! n- S5 \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
# l3 V# q& v. T) p' a1 E0 N
8 O% i+ U0 m( o9 B: [* J: R9 U 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’ ...
年轻的心 发表于 2009-8-16 14:13

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! D: E5 O/ P: }+ athank 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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% e1 s( z1 d) o) C7 }5年浮动P+0.20%
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3 year  fix  3.39%

+ h# ?, l' O/ C3 h# K2 `4 t1 Z' V4 year  fix  3.85%
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5 year  fix  3.99%
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