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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1 I5 Q4 g; E9 ]# R利率新动向：

3年浮动 P+0.15%

5年浮动P+0.30%
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3 year  fix  3.39%

' k' Y1 }( T6 J# i9 G3 K4 year  fix  3.85%

1 b3 q% _, s# N5 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！
% {5 x; y7 K; m) b2 Wlunik 发表于 2009-8-14 19:20

% V# c( n7 l- K; f, d0 A4 q8 T/ y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%

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!
. n) U: _) S% y  ^) }meijuli66 发表于 2009-8-15 23:33

Variables Get More Competitive
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- k& j" O7 a9 s5 b- q 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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! K6 |/ E+ _1 r5 T! UMerix 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.
- \4 {. m- M; Y! t9 oYou might ask yourself, “Why would I want a variable term under five years?”  
5 V# z$ X' U7 u0 E$ J/ Z* ]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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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.
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This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
' H3 o4 V9 D% a& c+ U" q年轻的心 发表于 2009-8-16 14:13

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+ L. H, C# S& ^5 Y4 P( Vthank 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：

2 [. `, g/ v0 I7 r5 l& ?3年浮动 P+0.10%
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+ u; W  c" O7 \) j9 n& o3 @9 {5年浮动P+0.20%

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& G8 y+ U. e! v5 A: e3 year  fix  3.39%
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: C& n8 X( r* a8 V0 ^$ F4 year  fix  3.85%

5 year  fix  3.99%
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