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 w0 C0 S9 @, {, }9 ^+ t3年浮动 P+0.15%
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5年浮动P+0.30%

1 ~1 g- J3 [& y$ ]# w4 w8 t
0 |* s+ @) ?8 b: R3 year  fix  3.39%

: Y# Q& c9 E; h" ]; _# {4 ?! k4 year  fix  3.85%
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0 L- I& J: t2 K5 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！
lunik 发表于 2009-8-14 19:20

1 f# m2 |2 M4 a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。

" d4 \$ m8 U" I6 a) @8 E8 N* S8 R' w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%

/ q7 Z7 k  s1 D0 u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

Variables Get More Competitive
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Variable-rate mortgages are inching closer and closer to prime.

' w/ T" I0 G+ k) d+ BThis 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! P4 I! ?" }; sWhat’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
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& c  P- D: r1 N; N1 Z$ E* r 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’ ...
& G6 n/ B+ N9 M! X& Z8 t+ w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：

3年浮动 P+0.10%

8 e( t) R5 x4 A! v; Z3 @, }5年浮动P+0.20%
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! y( k' E3 h, H3 s6 U. B1 F* ?3 year  fix  3.39%
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4 year  fix  3.85%

5 year  fix  3.99%
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