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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利率新动向：
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2 J5 ~+ T$ J# k# d/ L# F/ f3年浮动 P+0.15%

5年浮动P+0.30%
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8 p$ w( O1 C2 u3 {/ q; l3 year  fix  3.39%

0 Z% T( e, _' p( U- j( i7 \1 u$ j4 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！
! K; v1 y. t( _2 C9 glunik 发表于 2009-8-14 19:20

& P* j  N1 o0 G+ i. P0 T! P' h& w) s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。

0 J$ T9 d* ~& y) o. g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%

: D7 d( c, y% Y7 f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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* d# ~( I$ V# o3 w+ T, n4 w8 c: F# s8 HVariables Get More Competitive
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; V3 A! j9 P1 J" X! c) p0 r2 S 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.

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?”  
8 H5 S. h6 _2 A" ?; U8 D1 ZThe 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

2 j7 ?9 J5 k5 C( E% k) p 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’ ...
9 _' W# K2 f1 _' @6 r* E# T$ y) |年轻的心 发表于 2009-8-16 14:13

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1 a; h' ~* H! s9 j6 @- N0 lthank 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%


# r/ B" {+ B6 \# d3 year  fix  3.39%
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4 year  fix  3.85%
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4 Z# \" |: ?& u& q: C5 year  fix  3.99%
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