利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

8 O9 U& B% g$ J* m" x利率新动向：

3年浮动 P+0.15%

* Z' l$ E0 p& f. u5年浮动P+0.30%
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# g5 T' Y- Z! B- x& S3 year  fix  3.39%
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1 A8 p  {1 E% |3 ^- x/ O4 year  fix  3.85%
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: E# p# U) D+ y8 d, y+ }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！
* @* _+ a/ D- v$ K; S- T# H2 xlunik 发表于 2009-8-14 19:20

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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。

2 o6 [' x( U; h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!
) j! \- M" m$ [7 K) N) omeijuli66 发表于 2009-8-15 23:33

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) r1 E  `+ e% R& y: NVariables Get More Competitive

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.

- f* k% V  _: tMerix 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?”  
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).
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/ s, C, j2 O$ @* \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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  Z# V9 _( E  _  [+ g* V 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

, C, L( a1 Y; s7 w* ^" A8 ]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：

0 w) U, `6 N/ B+ Y( R* s: {3年浮动 P+0.10%
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, x  q* x/ C% }& s2 C: G: E5年浮动P+0.20%
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/ |9 X. Q. _0 S& G( z# x- w3 year  fix  3.39%

4 year  fix  3.85%
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5 year  fix  3.99%

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