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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; m# Y# y0 {( \( Q利率新动向：
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3年浮动 P+0.15%
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5 J8 T, Y; i  T+ C' `* i( M' s. }5年浮动P+0.30%
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1 }) B  K2 [% s  C! e: B' Y8 v* k) o3 year  fix  3.39%
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% g6 R+ \5 A& j! q; M: ~4 year  fix  3.85%
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) a: n. c2 B- ^1 L$ B  ]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！
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。

/ L8 u$ R! \7 O3 J& k, A7 K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%

3 h5 }" ~: G9 t6 _9 V+ F# d$ g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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# ~9 J, s) F+ ]4 E" J  d& eVariables Get More Competitive
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Variable-rate mortgages are inching closer and closer to prime.

6 w  q0 F6 A8 Q; Y: F$ [7 u) RThis 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?”  
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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3 Z& k# W' i: W7 `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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4 E5 H, q5 D9 t; l9 i& i; x! _ Variable-rate mortgages are inching closer and closer to prime.

, y; j+ w" i& _9 F. g# u4 ~# QThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
& M4 a  z0 _: L* h- L" F年轻的心 发表于 2009-8-16 14:13

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+ g  {3 e1 v: a- t$ ?$ Q7 Zthank 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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3年浮动 P+0.10%

4 o+ L2 h( G/ S# M* I% [5年浮动P+0.20%
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: F- B9 `9 c2 j. T1 }3 year  fix  3.39%

: b- l" q( c5 i0 ]8 U5 C3 o7 G  F9 l4 year  fix  3.85%
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5 year  fix  3.99%


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