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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: I9 ]6 U' U# E3 G( F+ o  f3年浮动 P+0.15%
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0 K4 o, P4 b5 l, q5年浮动P+0.30%


  x1 ^  C( n! Y  L7 k3 year  fix  3.39%

4 year  fix  3.85%

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

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!
! T! j7 f; U8 W, [8 ameijuli66 发表于 2009-8-15 23:33

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8 e$ f* n7 O- I/ b7 jVariables Get More Competitive

5 u6 M' g0 O! r7 G* f4 P( C, a7 h! b Variable-rate mortgages are inching closer and closer to prime.

( I' m4 W7 G. s& q$ A0 u. e' s% HThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

) {5 F: C6 \& l2 {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.
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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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.

% N& b  F. M8 U  c& d$ L' m: }! Q' zThis 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

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：

. w9 b# W) y; q( G& K- X0 @3年浮动 P+0.10%
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3 i! y. b" M$ q5年浮动P+0.20%
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3 year  fix  3.39%

4 year  fix  3.85%

5 year  fix  3.99%
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