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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- f# P$ a; _1 P4 m0 \7 i/ D利率新动向：
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* L* ?+ I, J7 ^; ^: l3年浮动 P+0.15%

5年浮动P+0.30%

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3 C5 a# ?& K$ f& [+ p3 year  fix  3.39%

4 year  fix  3.85%
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% }; X# M/ f* \9 b7 K, K5 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！
' m- o2 |( d& `+ i2 X2 B, mlunik 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。
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( J1 d0 J3 Z+ y1 O1 B6 a8 Z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%

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!
7 J: n; b2 g* omeijuli66 发表于 2009-8-15 23:33

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2 _# R0 _6 L& s% d3 \0 e  qVariables Get More Competitive
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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.

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?”  
+ Q6 k! T3 G% j- }$ b  X) d% ~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

5 M' [6 K8 {8 W9 Q7 y( D9 E; s 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

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：

3年浮动 P+0.10%

7 ?  T0 C  G! u5年浮动P+0.20%
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3 K1 e8 d6 S7 J1 E3 year  fix  3.39%
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! m- `) _7 k& z9 U4 year  fix  3.85%

) @( J; o  t4 a; g- q5 year  fix  3.99%

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