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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利率新动向：
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0 ^( j" m8 f% A3年浮动 P+0.15%

5年浮动P+0.30%


5 T; n9 c+ d4 d8 [. `, k$ V3 year  fix  3.39%

3 d5 c2 b# q& L4 year  fix  3.85%
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) ^) I1 z8 i6 g( y; x5 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

) ^/ @- b- e0 Y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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9 _2 q. T" Y; m. u+ {# r  f6 r7 J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%
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0 u% D' w. k0 Y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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/ l* g2 J$ L; @& eVariables Get More Competitive

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.

" ~! \+ d4 q% j. K7 v6 o/ x0 s0 XMerix 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.
- P4 V+ A  A! _& o& _. k  ]7 KYou 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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8 A* R7 \* S! V# h9 uWhat’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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/ b7 y8 J- p- u: G! q' h: W. D% e2 ] Variable-rate mortgages are inching closer and closer to prime.
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8 j7 L( n1 r6 e* {4 M$ J3 uThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
2 ^& H2 ^) {1 o' ^+ j2 s! J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 A5 w2 n& @, x' \" C8 W3年浮动 P+0.10%

9 k) M' I' a. X! T, ~. s5年浮动P+0.20%

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3 year  fix  3.39%
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4 year  fix  3.85%
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5 year  fix  3.99%
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