利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

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% W, \7 R8 B1 U" U4 F利率新动向：

3年浮动 P+0.15%

8 g: c9 u8 e3 l+ G5年浮动P+0.30%
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) \& l% {; i. k3 year  fix  3.39%

4 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

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我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
; Z0 R! c: u& h7 s7 y* @lunik 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。

3 D" U9 A' J/ ^+ a6 s5 y$ Z. p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%

, u6 f; Q: Z% b! e$ s9 v  {/ u- i, T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!
) f: {2 \1 k. |3 K3 z8 h+ t  imeijuli66 发表于 2009-8-15 23:33

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- z* g/ m! z# _Variables Get More Competitive

Variable-rate mortgages are inching closer and closer to prime.
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: `, T6 c  T; a3 o7 I1 l* FThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

# d6 k* ]+ ~2 J( u! l" \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.
# g. e% e8 @' \0 E! XYou 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

* a) k- p: X, O6 T+ z+ o9 L0 o, a Variable-rate mortgages are inching closer and closer to prime.

, n* z$ c6 d' Q* g0 e2 `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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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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% j7 B  d. |1 z# h# i; M1 O3年浮动 P+0.10%
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3 x5 t/ c* b$ F+ w& @8 Y5年浮动P+0.20%

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3 E8 z! J! `7 Y7 ^. f6 `3 year  fix  3.39%

4 year  fix  3.85%

2 P5 m, U- J& K$ C, }5 year  fix  3.99%

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