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：

3年浮动 P+0.15%
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  D5 i* s. n2 p7 [/ u5年浮动P+0.30%
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3 year  fix  3.39%

. P5 M# a) n: ^# R' c3 N4 year  fix  3.85%

7 l- p$ G# p6 w, r' H3 m# t, ^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

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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！
lunik 发表于 2009-8-14 19:20

1 a9 X6 v3 v5 j& L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。

$ e3 ?! X- l* a1 E5 J& q; {" Q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!
meijuli66 发表于 2009-8-15 23:33

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$ ]% n" K2 N6 j8 {, a9 j  OVariables Get More Competitive
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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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) t4 O" D9 W  G% n. P  }; kMerix 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?”  
# B) k/ w  X  Q* MThe 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).

& M8 g% }" ~6 `" o& _/ j  uWhat’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’ ...
+ c2 w. y: d  F" E& h+ M- K8 q: d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：
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6 Z( v  W9 G  A8 S. l, ?3年浮动 P+0.10%
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; m9 z7 v. P) A8 \. j5年浮动P+0.20%
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* k- c! S  I. \# v1 R/ h5 B+ v3 year  fix  3.39%
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3 q/ M8 K' T' w$ f) i9 Z$ P4 year  fix  3.85%

5 year  fix  3.99%
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