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：

3年浮动 P+0.15%

; X9 m( F0 [% {9 D* d( G4 z5年浮动P+0.30%

3 @9 \% m0 k0 }0 A3 H9 k8 Z
7 S3 G9 t( Z& P$ e. W* G3 year  fix  3.39%
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  p: @1 z' x7 n8 k6 s" C4 year  fix  3.85%

5 H1 G. V  c- C! [! A8 p5 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

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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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!
7 u( x0 H- Y7 r* Y5 ymeijuli66 发表于 2009-8-15 23:33

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5 b- u, N/ R- ?; W0 ]Variables Get More Competitive

Variable-rate mortgages are inching closer and closer to prime.
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% s' I8 ]+ l4 j$ MThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

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.
4 c! x7 O0 D5 A5 }* V) cYou might ask yourself, “Why would I want a variable term under five years?”  
3 v% l( X! N% H& j$ p) eThe 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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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.

This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
2 U$ P7 N( t- H年轻的心 发表于 2009-8-16 14:13

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! w2 M' ^3 O+ v3 S4 rthank 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：

. ?7 T- r) a+ h3年浮动 P+0.10%
* _, L% m* k  s0 a* t" g% a( ?0 n
1 m) F$ B- _- l/ \! X) a2 M5年浮动P+0.20%


/ Z: D  R4 {" P: W2 J  U9 D$ ^2 K3 year  fix  3.39%
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" C; P) D# U) R  m# b# ~4 year  fix  3.85%
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. p) g0 o1 z& y/ d" d5 year  fix  3.99%




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