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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3年浮动 P+0.15%

5年浮动P+0.30%


3 year  fix  3.39%
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4 year  fix  3.85%
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2 V2 G3 d9 B: g- \( G# h' f. F5 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！
/ B3 U9 w9 {6 Clunik 发表于 2009-8-14 19:20

1 r4 R: t4 Z9 ^& X4 J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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/ _+ I- b. ^9 X7 l; N, V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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+ T: K, |" p3 G) Y2 e$ B2 e  k2 H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!
3 T3 I( X4 [7 H& Fmeijuli66 发表于 2009-8-15 23:33

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Variables Get More Competitive
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+ F2 F# f" Y- {& D+ v- { Variable-rate mortgages are inching closer and closer to prime.

9 f+ p. b: m- D) b& V; N: F2 iThis 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.
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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. }* m) |. r, B0 m2 nWhat’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

! I5 M, R( s2 m- O5 N- G Variable-rate mortgages are inching closer and closer to prime.

# P  Q! Z7 ~" S/ }This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
  ^& ?) C) t! v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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- y7 E; w: U; w3年浮动 P+0.10%
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5年浮动P+0.20%

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+ v+ w3 x8 {$ j$ }+ ~; k& c3 year  fix  3.39%
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% j2 X) X4 ^- ?$ o9 M4 year  fix  3.85%
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  D" k  E0 ]$ |. N/ S  l5 year  fix  3.99%
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