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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3年浮动 P+0.15%
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5年浮动P+0.30%
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$ f2 `& Y' r8 J, Z7 Y3 year  fix  3.39%

4 year  fix  3.85%
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- O- _5 [+ N7 j# @" h7 e0 J5 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！
/ q$ n0 o9 }4 t$ g% i- P. `lunik 发表于 2009-8-14 19:20

* Y# O2 f4 p6 \9 w5 C" R9 \% W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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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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  ~0 A1 O$ H: ]; TVariables Get More Competitive

  x; V4 V8 F; ~" P Variable-rate mortgages are inching closer and closer to prime.

) ~4 X' t' \6 f8 PThis 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.
You might ask yourself, “Why would I want a variable term under five years?”  
4 K5 s/ W6 i5 v( ^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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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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. u  k: |2 Y7 I2 z$ p% e0 r7 u Variable-rate mortgages are inching closer and closer to prime.

/ [6 O) ~9 F- FThis 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：
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" l# T. [! w) u9 e5 Q& I+ ?3年浮动 P+0.10%

5年浮动P+0.20%

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. }" K6 @8 {) {) Q# M8 L" Y# o3 year  fix  3.39%
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4 year  fix  3.85%

5 year  fix  3.99%
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