利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

5 {& R' o8 \; \' V! [, r利率新动向：

8 j6 Z4 d: N( C' |5 n0 `3年浮动 P+0.15%

& O: h/ M8 y7 q* p5年浮动P+0.30%


3 year  fix  3.39%

* q0 J& a' Y4 n3 m4 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

6 T5 q* Y6 u8 n& ?' ^6 k

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
% x9 l; i% T9 Z/ O  S# dlunik 发表于 2009-8-14 19:20

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8 f) A& ]) H! _. Q! Q5 U8 A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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6 u8 _) v3 Q, L' S( O/ }# D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!
% p- q! p' |; [  C( I& qmeijuli66 发表于 2009-8-15 23:33

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Variables Get More Competitive

* M6 K+ V  P0 Z0 P* g- z' E Variable-rate mortgages are inching closer and closer to prime.
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- f0 y+ a- i3 F  ^This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

7 ]  ^& j7 c7 F1 X' W2 qMerix 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?”  
: J  \9 x6 A. `. sThe 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
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; Q, x7 A/ G* W$ j: E2 r Variable-rate mortgages are inching closer and closer to prime.
+ `+ I; Q' p  O
This 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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) ^# {0 l# Z8 p6 w. p* Kthank 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%

. f6 V( Q% A) T) b9 x- l' k' U: ^5年浮动P+0.20%


3 year  fix  3.39%

4 year  fix  3.85%
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5 year  fix  3.99%

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