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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+ c+ D: i2 b  q% M1 E& e: N利率新动向：
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3 q8 o2 U5 g3 R1 f1 o3年浮动 P+0.15%

! L1 ?& s+ [9 p8 n5年浮动P+0.30%
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0 b5 U6 ^$ ^* j0 y  T1 l8 W! `  A3 year  fix  3.39%
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4 year  fix  3.85%

/ g: [- d" H( K! ]( z4 x5 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！
5 ~+ a2 l: ]7 }2 qlunik 发表于 2009-8-14 19:20

; C- J1 Y# c, v: z3 F0 U/ I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。

) ?/ x- e. @: ~0 j2 p) p9 J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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0 u6 A+ h3 o9 P* ~" `: _! |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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Variables Get More Competitive
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Variable-rate mortgages are inching closer and closer to prime.
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7 A5 Z' M. {4 j; C# P8 z( ]$ N; VThis 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.
! E% O+ C* x. u+ N" jYou might ask yourself, “Why would I want a variable term under five years?”  
# e- Z8 s) x( U. z2 UThe 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
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Variable-rate mortgages are inching closer and closer to prime.
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% u# X8 ~0 |! g8 x3 I- t' V7 gThis 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：

' n$ }4 g; u6 W1 I3 X0 v3年浮动 P+0.10%
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5年浮动P+0.20%
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! R6 y( I) V( C; `) M" B+ G. o3 year  fix  3.39%
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4 year  fix  3.85%
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5 year  fix  3.99%
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