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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( T" p, S- @6 ^  q8 O5 e% L4 d利率新动向：
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3年浮动 P+0.15%

8 l: C3 C; Z/ i* @5年浮动P+0.30%
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5 h1 N" I$ Y* Q+ Z3 year  fix  3.39%

3 q% A, \6 x  q3 t* I4 year  fix  3.85%

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

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

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。

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%

; E- N8 o' r' f8 F( H( V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!
* Q0 _4 v6 V2 a# J7 ^& @meijuli66 发表于 2009-8-15 23:33

: o8 j" w+ c) U" F/ p2 f9 t! OVariables Get More Competitive

" j2 V2 I; ]* l! q/ _ Variable-rate mortgages are inching closer and closer to prime.
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% Y" v+ A. Z, Q+ \9 a. DThis 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?”  
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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& Y" P$ \2 n: s Variable-rate mortgages are inching closer and closer to prime.
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This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
( C1 X% D7 T* f' ^$ Q2 g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：

* L$ a& d! W  b1 o5 n& \. ?3年浮动 P+0.10%
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' S. I, x# V* T8 Q9 o- j5年浮动P+0.20%


3 year  fix  3.39%

, `4 L; c! B! M+ D4 year  fix  3.85%
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0 d! Z7 U. t  L  Y! c$ t+ u5 year  fix  3.99%
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