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：

3年浮动 P+0.15%
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' J, G! z2 I( f9 \5年浮动P+0.30%
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3 h' y# L+ k( G: n! ?7 j3 year  fix  3.39%

4 year  fix  3.85%

& @, m2 S# x1 t5 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！
3 Y$ u& b2 X6 L" L6 v' {lunik 发表于 2009-8-14 19:20

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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。

& P% c) `9 y( @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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: ~3 o8 k( ~# K+ J! D( a$ [" HVariables Get More Competitive

  ~4 m% P: j1 w+ H# E" f* p Variable-rate mortgages are inching closer and closer to prime.

6 r' C: h2 M, t& g" |! fThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

6 K, s( J- e9 [/ _) I+ e6 ?* V" PMerix 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?”  
) ?# f: r: L$ A  {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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! l! B- _1 @) g% x- \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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4 U3 A' Z. |: S Variable-rate mortgages are inching closer and closer to prime.

( X# s% ]# P5 IThis 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

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：

# O2 M$ X: u, H( h/ G. i3年浮动 P+0.10%
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5年浮动P+0.20%
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" n/ c0 K& V% R/ h, e1 L3 year  fix  3.39%
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- T9 e2 @0 q/ B! ?4 year  fix  3.85%

% ]# x, G6 ~# @5 year  fix  3.99%


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