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：
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- a  Q) I  _- m3 M) G% Q' h3年浮动 P+0.15%

5年浮动P+0.30%


3 year  fix  3.39%
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& h0 u1 I  E+ n! c4 year  fix  3.85%
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& _" i+ Z6 B6 y1 u# O4 G1 N$ z4 e5 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！
- b2 R/ V- Z' Elunik 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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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!
8 o. v- P! E$ T; V; l( c% g1 h3 G; ~/ wmeijuli66 发表于 2009-8-15 23:33

Variables Get More Competitive
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8 p8 i3 B. Q' P2 d+ {1 d; E4 x' J Variable-rate mortgages are inching closer and closer to prime.

9 I; ?$ d/ o. t  K+ ]! D# {This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

. G! I# h! a* l8 |1 V2 p, GMerix 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?”  
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.

This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
- \! k4 G3 u8 n年轻的心 发表于 2009-8-16 14:13

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; a/ G4 i* K# G4 g% Pthank 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 |+ h, I3 Z2 r3 O2 W. @3年浮动 P+0.10%

5年浮动P+0.20%

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( z9 G9 d/ a7 q  x# C+ j  N3 year  fix  3.39%

1 e# z6 ]; `* `; i' Q% u& n4 year  fix  3.85%

6 }4 c5 R0 h) I# s( ?: C5 year  fix  3.99%

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