利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

% Z/ k4 F0 ?. }6 M+ L利率新动向：

$ H: ?4 h) k6 i! d6 N2 [3年浮动 P+0.15%

: z4 O+ N$ j' R1 }9 X! E( B5年浮动P+0.30%

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* E2 M+ m0 E4 V: @5 ^2 ^% r: K3 year  fix  3.39%

' J4 T8 |- p& n; ~; l) f& P4 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

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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！
, e, X6 [. A' xlunik 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。
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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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) T9 c; B. a0 H# }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

' O) W7 i. _" M, P; O4 ^Variables Get More Competitive
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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’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.
2 [2 J- b+ w( a- z3 E& x. u0 ZYou might ask yourself, “Why would I want a variable term under five years?”  
: i. B+ ~4 Z6 ?/ K/ X4 T  j/ _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).

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

Variable-rate mortgages are inching closer and closer to prime.

* Y" I* T0 G: y7 l  c: @4 Y) 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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3年浮动 P+0.10%

5年浮动P+0.20%
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4 x+ P2 _( s. E+ P, d3 year  fix  3.39%

4 year  fix  3.85%
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$ c& Z; G/ ^: I. V- l& O: M5 year  fix  3.99%


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