利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

利率新动向：

& B. i. ]; w7 z* u  r3年浮动 P+0.15%
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2 J* j7 |7 r9 s$ C: w- p0 x7 k* M/ ^5年浮动P+0.30%


3 year  fix  3.39%

4 year  fix  3.85%
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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！
lunik 发表于 2009-8-14 19:20

! a: X' B& `! _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%

. }  _) ]4 T1 B# W# f. a, t& t* l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

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2 C# ~" B9 O5 L. o7 cVariables Get More Competitive
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Variable-rate mortgages are inching closer and closer to prime.
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$ m  j9 p9 i" Z7 aThis 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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/ S% ~4 A$ P- cMerix 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?”  
' r8 e& i; b% t2 Z: AThe 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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+ Z0 H9 N, f# u) hWhat’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.
# B, ^- y& D  o: _
+ y/ ^1 F" C$ H2 k1 Y0 WThis 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：

3年浮动 P+0.10%

' j0 V9 C; n+ t+ |, S9 [5年浮动P+0.20%

5 c, ?& e  o+ f! F- Z
% ]; N, h/ P, s, G2 H2 c+ e2 d3 year  fix  3.39%
! `  w, o/ r2 l$ P: @/ A
% C3 z0 d% Z; _4 year  fix  3.85%

# B% \& @' d/ e  }2 r5 year  fix  3.99%


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