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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2 g, K- b, \9 T7 d( r; ^利率新动向：
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) o8 `8 V; W! v/ F3年浮动 P+0.15%

+ {; {* K+ f" U2 J- I, N5年浮动P+0.30%
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# ]* P* E! p' |  m0 Z+ l  u5 a( T& p/ ?3 year  fix  3.39%
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: H7 s0 p6 d& i: ?- Q$ ?4 q* v4 year  fix  3.85%

  Z0 `3 u, S; z' M6 m+ `, M5 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！
9 l: T) M( O- flunik 发表于 2009-8-14 19:20

+ T8 W3 t6 {# k$ J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。

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!
meijuli66 发表于 2009-8-15 23:33

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# T" [- l( I- d1 C+ r- I3 bVariables Get More Competitive

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

% `2 L9 H8 Q5 l" |This 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.
$ w$ e6 ^3 E2 S8 R% g7 e4 ]You might ask yourself, “Why would I want a variable term under five years?”  
( Z9 R( b5 w. R0 a4 y" z0 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.

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

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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：

0 ~1 U' L1 u  Q0 ^# m3年浮动 P+0.10%

" z, i  Z# O- a1 l5年浮动P+0.20%


% |# o2 s( {& B8 D0 q$ h2 t' ^  w3 year  fix  3.39%
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4 year  fix  3.85%

5 year  fix  3.99%
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