利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

) b; V1 K+ j( y' y4 v5 K3 g3 A) g利率新动向：
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3年浮动 P+0.15%
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! v( s  h6 T3 w4 o- q: Q5年浮动P+0.30%

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  g9 @. P6 T) r+ K3 year  fix  3.39%

4 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

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
2 g- O! z4 F: e, t5 R4 llunik 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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& K" d$ m: t. R1 |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!
/ z8 ]8 J" ~) }8 T! s- _. |' v4 Smeijuli66 发表于 2009-8-15 23:33

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1 ^( W" n3 R# A5 O* }' \Variables Get More Competitive

, U. B' ]8 W( t/ w, n) x( j( p% { Variable-rate mortgages are inching closer and closer to prime.

- M* \2 Z6 r( nThis 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?”  
5 G; o' r( |$ N- Y- h) y& N* bThe 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.

This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
* ]$ B5 ^) \8 W年轻的心 发表于 2009-8-16 14:13

" E. {3 {1 R/ nthank 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%

5年浮动P+0.20%
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" R* t/ _5 H) i. |/ v- x8 ^+ ~% H  G3 year  fix  3.39%
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4 year  fix  3.85%

# Z' |6 g9 m& I2 H- X5 year  fix  3.99%
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