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：

' d# c3 f! k( N" e1 c3年浮动 P+0.15%

5年浮动P+0.30%

/ \$ T" x# w& O% ^) K
. e# K/ ?" k1 j1 S$ Y- {- V3 year  fix  3.39%
$ }& `% `, J7 E  `$ `( b4 O5 f
4 year  fix  3.85%

- ?! V! S; [+ t; B5 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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% Q* R: m% U5 Q# j8 \/ l6 b: f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。
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' t7 @5 m6 ]" y/ S( X; [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%

' y% a: T( {8 w" g, X! e# C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!
# z0 g- ]0 {9 }, h! cmeijuli66 发表于 2009-8-15 23:33

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- W& N. n# S/ |& Z1 OVariables Get More Competitive

Variable-rate mortgages are inching closer and closer to prime.

* G- t3 s$ J3 O- k/ E' N3 U) ^2 EThis 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.
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).

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
7 ~" G& S, V; R# {) g4 I6 G
+ o( O+ C5 c8 o6 c Variable-rate mortgages are inching closer and closer to prime.
: z. h  `) o9 d4 _6 a" n7 r
, i6 {) G+ q- ]5 K3 K0 RThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
& x; n+ F- s2 n年轻的心 发表于 2009-8-16 14:13

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, }& _, v6 i6 Q" a/ dthank 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：
4 l2 W( H( G$ w
3年浮动 P+0.10%

: B# }% _" n% k' o+ x1 R4 ]5 ]( Q5年浮动P+0.20%
, x- z; M, I% r* l

3 year  fix  3.39%

4 year  fix  3.85%

5 year  fix  3.99%

2 \" O3 M, t  d+ S! a1 }3 Y. I- ~+ [9 I
# U! E: w7 g, z8 {- }


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