利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

3 ^. V5 s- o4 i利率新动向：

8 C7 A+ n* J; l3年浮动 P+0.15%

5年浮动P+0.30%
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0 D* I1 t  B* P+ V3 year  fix  3.39%

4 year  fix  3.85%
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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

; _4 ^' g+ t  z7 u  O( V4 I1 S

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
* N% B3 v. R( D- L+ H2 a: E7 olunik 发表于 2009-8-14 19:20

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。

# y/ C+ C5 L# G' i& I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!
1 @8 `) P7 K# d7 umeijuli66 发表于 2009-8-15 23:33

Variables Get More Competitive
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+ M0 l6 J/ q4 p, [, ^+ N Variable-rate mortgages are inching closer and closer to prime.
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) L  c1 c9 ?  p8 V5 y6 TThis 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.
% t' P1 H1 c: mYou might ask yourself, “Why would I want a variable term under five years?”  
" d0 j' o" T% x7 v" X0 F6 l% dThe 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

: _- u, `2 L! y3 V8 { 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’ ...
. n8 ^4 j1 }7 |. y, a( G年轻的心 发表于 2009-8-16 14:13

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) C" r2 |+ e$ `9 n2 T4 T7 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：

5 I3 \! x& P0 h1 V) o+ C! Q3年浮动 P+0.10%
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. s* ~0 W1 B2 D' _$ L5 @2 o5年浮动P+0.20%
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3 year  fix  3.39%
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4 year  fix  3.85%

# P7 g  D$ _9 u0 y; g$ v5 year  fix  3.99%
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