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 T1 r% w' J4 q$ J' g利率新动向：

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) b% T2 I$ _# \, e: ]8 J" E: y, C! x5年浮动P+0.30%
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3 year  fix  3.39%

. a! J* @4 @: C% }; Y8 a& f4 year  fix  3.85%
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" }5 H8 j: b6 ]) V3 A1 D5 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

3 j! T. X; j# T2 S: O$ W. [8 [

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

- c$ f! q' W' V5 f1 v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。

* A, [: b* s/ Z$ C# u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!
9 E( X8 |7 E0 C8 Rmeijuli66 发表于 2009-8-15 23:33

Variables Get More Competitive
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/ g9 N+ P# k+ _" A$ m Variable-rate mortgages are inching closer and closer to prime.
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  ], B8 N$ E8 X8 I3 Z! ^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.
You might ask yourself, “Why would I want a variable term under five years?”  
% O( M0 H0 ~1 K2 J6 [2 ^; gThe 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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% W; U* A, J7 g Variable-rate mortgages are inching closer and closer to prime.
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; {1 T( P' w* ^2 RThis 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：

% K3 \& C6 F; i0 G2 I3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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" t6 J8 S5 `8 j% K1 ]4 year  fix  3.85%
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# T9 D( [+ |; d6 |% H  G5 k5 year  fix  3.99%

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