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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3 year  fix  3.39%
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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

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我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
1 D+ p6 @" h0 N. y/ Llunik 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。
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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%
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5 @* x# g7 M- o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!
% W9 e# x/ s& a; _: F( ~* nmeijuli66 发表于 2009-8-15 23:33

  {- Q: r( n% K* {, h$ sVariables Get More Competitive

3 q) g. ~0 \% P, p8 {' S Variable-rate mortgages are inching closer and closer to prime.

; ^0 }7 G2 K6 Y* O% AThis 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 R2 p* i8 G* NThe 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).

! ~* ]4 Y' F, B+ u+ @2 u4 e; F$ ^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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Variable-rate mortgages are inching closer and closer to prime.
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; c4 b  l* c, p( U- u4 J2 p* b6 S  N/ hThis 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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0 H" i3 ^! O* {7 y5 w! u$ k7 ]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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3年浮动 P+0.10%

/ t, G* I! J5 M$ W0 y* f* S5年浮动P+0.20%
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( K9 ?! Z& O* R3 year  fix  3.39%

$ I5 u9 {' V2 O2 j6 ^2 i4 year  fix  3.85%

4 j6 H6 a& M# Z, u: q5 year  fix  3.99%

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