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：

3年浮动 P+0.15%
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5年浮动P+0.30%

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3 N% @2 ~. ^+ D* c$ D- R1 g  }5 b3 year  fix  3.39%
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4 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！
- V; F- \$ f+ @" @lunik 发表于 2009-8-14 19:20

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2 V' o, n$ [: o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!
& C! u* Q' |5 x) g: Tmeijuli66 发表于 2009-8-15 23:33

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. k) e$ s7 B% o" |Variables Get More Competitive

Variable-rate mortgages are inching closer and closer to prime.

# v0 I, ~( n1 c5 oThis 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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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.
  g7 ?1 ^' b! D) v- G: ?You might ask yourself, “Why would I want a variable term under five years?”  
0 W( E, f9 u3 r& JThe 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

Variable-rate mortgages are inching closer and closer to prime.
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2 {  S6 t" J( \+ z0 w0 IThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
' R- c# {9 U8 c- A年轻的心 发表于 2009-8-16 14:13

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) C, v$ m# F" X  q) Hthank 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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3年浮动 P+0.10%

5年浮动P+0.20%
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3 year  fix  3.39%
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, \7 a. Q# n: C0 q4 year  fix  3.85%
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9 `4 l( k4 j+ f9 d  z5 N5 year  fix  3.99%

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