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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+ W" U! K# ^+ O( S5 O) x- c+ K3 a3年浮动 P+0.15%
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5年浮动P+0.30%


3 year  fix  3.39%
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3 ~$ `4 r, U# s4 year  fix  3.85%
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( }. b3 F3 k/ p& W! n. W4 S1 J5 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

1 J  c3 s8 {! W; V8 `* l

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

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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。

* m" C( A1 F7 C, K3 I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!
7 T) j: y: @. {. E5 ymeijuli66 发表于 2009-8-15 23:33

Variables 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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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.
- C$ }; }8 Y4 J6 {7 DYou 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).

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

" {" c6 m9 y3 s2 x5 K; X+ F 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’ ...
年轻的心 发表于 2009-8-16 14:13

5 W1 N+ C5 |1 H; |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：

% c9 ^  b7 A# l, W3 k# c! ~: r4 k4 _3年浮动 P+0.10%

( b9 q* z" C& i8 v4 [3 [$ W+ ]5年浮动P+0.20%


1 [3 ]  t% Z+ ?5 N# C3 J4 R3 year  fix  3.39%

2 Q' J7 k# }; e: Q9 L$ p' T4 year  fix  3.85%

5 `8 ]: m# @, W  G5 year  fix  3.99%

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