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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' @3 l8 B+ b: [: u. q) V" ^0 L6 m利率新动向：
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3年浮动 P+0.15%

5年浮动P+0.30%


. S+ V2 V+ o. D5 Z, J9 n3 year  fix  3.39%

3 m+ l1 `- ^. N$ w4 year  fix  3.85%

& b; |& u- i* x6 v3 J5 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！
' a- v9 c6 ~+ j4 Q' `lunik 发表于 2009-8-14 19:20

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$ [' r, l! Y& l  G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%

" ~0 D# k+ h& P2 y9 W) b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!
7 q- p3 \/ ]0 Y* ?meijuli66 发表于 2009-8-15 23:33

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. p8 \) o/ a7 Z+ EVariables Get More Competitive
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+ R$ }0 U1 s" N% n* U 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.
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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  {, g. r* R1 n* W9 wWhat’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

# e3 \5 k" {/ `; Z  F1 r Variable-rate mortgages are inching closer and closer to prime.
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  c* Q. r& M# `- \This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
' }( B8 z" I4 z7 ^5 h4 w& ]4 y: O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：

3年浮动 P+0.10%
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5年浮动P+0.20%

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3 year  fix  3.39%

4 year  fix  3.85%

  [+ h( g# y( M! w# N( s9 O3 R/ S5 year  fix  3.99%


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