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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/ p* J+ ^: S8 D' E; j$ ^6 O利率新动向：
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3年浮动 P+0.15%
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5年浮动P+0.30%
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3 year  fix  3.39%

" B0 b5 o: e0 \& @4 f1 M4 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

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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

0 R2 S; \1 T  f% @, ~/ I" s! C) v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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% p. C0 D5 e! ]6 C. _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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8 N& C" `7 W* K, ~* S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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" N4 j) m  Z# \0 N& VVariables Get More Competitive
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Variable-rate mortgages are inching closer and closer to prime.

/ V5 r4 Z/ e) ?6 f3 T: dThis 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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6 |/ ?- T, u6 v/ ?2 c6 }" M& C: o- |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.
0 }1 q" f! b# \8 z8 k, fYou might ask yourself, “Why would I want a variable term under five years?”  
; c+ @$ G0 a* o" O2 hThe 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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2 }4 ?1 W7 f. t4 A: A  K8 A( i. G  vWhat’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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* s8 U, w% }. w' N7 N 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’ ...
) n0 A; A0 {9 F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%
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0 u$ ^7 b/ s/ C* Z: v6 q" b" T6 S5年浮动P+0.20%
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' j2 ?3 ?: a% _, s& h3 year  fix  3.39%
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4 year  fix  3.85%

! S) r% y3 c4 i9 ^" r3 v) d: O5 year  fix  3.99%



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