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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* v* h4 T3 s* c% u) x利率新动向：

3年浮动 P+0.15%

5年浮动P+0.30%
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% ?% X7 c: q' N3 year  fix  3.39%

4 year  fix  3.85%
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" O! {, S; `% Z" r5 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！
# X/ [+ i  j* X8 o+ |lunik 发表于 2009-8-14 19:20

. u5 {& P0 b- J3 F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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& |; `0 U. E; W6 Y/ w* L5 d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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* e" b1 Q8 e- X- ]3 t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!
. E  I. j7 M1 u! r$ ameijuli66 发表于 2009-8-15 23:33

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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.
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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.
! q% E9 D1 T+ m7 k" h7 _+ @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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) m2 s& S7 @1 V' bWhat’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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+ |0 ~& H3 Q3 O- p2 X7 j Variable-rate mortgages are inching closer and closer to prime.

) X( ^3 }: g! y' s" y! o3 u1 KThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
# {/ L9 C5 ?5 u: A, m9 M8 f, A% h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：

( \, f2 n' z, @. y! {- z! J; b3年浮动 P+0.10%

5年浮动P+0.20%
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% J' Z) u3 O$ O- H+ O$ g+ A3 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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