利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

  ]5 l9 I2 {- E& `: B利率新动向：

3年浮动 P+0.15%

5年浮动P+0.30%
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3 year  fix  3.39%

6 k, r! b0 ?% I1 a" x4 year  fix  3.85%
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+ G0 g5 j9 u( _) E: y% G5 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

/ d: e" d$ e9 _, z/ L" M( M* R, a

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
+ _& t* n' E- q$ f$ [- mlunik 发表于 2009-8-14 19:20

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4 {6 y- ?0 D3 c2 z/ Q* j' B. j3 s: n, E7 |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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$ @: ]+ j7 G7 f) y0 @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 s9 P9 d) K3 {8 K' a. v, m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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& m" u. `  V8 i, v! j, T. L9 FVariables Get More Competitive
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Variable-rate mortgages are inching closer and closer to prime.

/ J$ t4 X" S# c3 a- c9 K! F0 f2 ZThis 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?”  
; Q# j1 h9 i( h0 E! d( [, R6 `4 JThe 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

% m! O  O+ |/ _2 E# \7 ` 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’ ...
: e9 F) T5 _$ ?9 [+ p+ \年轻的心 发表于 2009-8-16 14:13

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) n- ?; Z3 g7 M" hthank 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 C7 Z% a8 c4 O9 Y- ?. N: K) ~- [5年浮动P+0.20%
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3 year  fix  3.39%

7 Y( f8 K2 G7 T% v- ]# ?( B4 year  fix  3.85%

5 year  fix  3.99%
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