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：

. e" b  V( c; X9 u' m6 ?3年浮动 P+0.15%
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5年浮动P+0.30%
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6 i  ^$ X, r. E. i3 year  fix  3.39%

; u6 @6 G# [2 r. H4 Y/ Z2 c4 year  fix  3.85%
5 [$ K9 |3 A, d2 h8 z7 W
6 e6 @! J( C7 v" Q5 ?  P5 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！
" M4 U2 B! I$ Y# B/ [lunik 发表于 2009-8-14 19:20

  K! {+ z! n# r5 z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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& ^4 O* i/ C5 [7 |% }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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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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Variables Get More Competitive
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Variable-rate mortgages are inching closer and closer to prime.
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3 X! X; E3 A/ n& A  EThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

% z( w* R7 T' E8 t5 G3 AMerix 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.
# j8 @8 Q. z- pYou 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).

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

Variable-rate mortgages are inching closer and closer to prime.
% Y+ Y. X# L4 l4 {+ }1 T; U0 h9 k
/ H4 F7 J5 A3 ?! |5 sThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
1 ^0 U: M/ E7 i9 H9 t# \6 T年轻的心 发表于 2009-8-16 14:13

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9 a" G: P+ a) j7 sthank 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%

5年浮动P+0.20%

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3 year  fix  3.39%
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4 year  fix  3.85%

( \6 b  X8 A) e. Q$ K+ h2 C' i5 year  fix  3.99%
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