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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9 ]' {/ |  V2 I- o1 N, p+ R利率新动向：

8 N. F* i$ z; w9 z. I3年浮动 P+0.15%

5年浮动P+0.30%

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' U+ r+ s- G4 _: l$ I3 year  fix  3.39%

4 year  fix  3.85%

! G) n2 o6 T: O3 f! z& y% [8 H5 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！
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。
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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!
' x4 _6 D- R  l6 o/ |meijuli66 发表于 2009-8-15 23:33

8 |* {7 y% W, D: w4 vVariables Get More Competitive

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

! |7 D1 D+ \( `) @% }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.
You might ask yourself, “Why would I want a variable term under five years?”  
3 d. t* o" m/ O) RThe 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).

6 U& y# g( G4 P  q# YWhat’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

( I6 v; i; K7 t7 y3 Q; Q" r Variable-rate mortgages are inching closer and closer to prime.
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3 D+ d  e9 C% u" Q: ?This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
1 X9 q* U8 l- r$ [! w, N- L年轻的心 发表于 2009-8-16 14:13

- w( ^- D0 Q  h2 e9 Rthank 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：

8 _7 o( H& V4 A' b1 |2 z. ^3年浮动 P+0.10%

$ x# a7 b6 ~* X4 k9 R7 E) t; e5年浮动P+0.20%
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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  3.99%
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