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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8 [! `4 Y! A* Z9 `' N利率新动向：

3年浮动 P+0.15%
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" }; Y4 n  Z8 B, |2 J' E5年浮动P+0.30%


3 year  fix  3.39%

4 year  fix  3.85%

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 z+ X5 I, p. X- D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。

  |; n* {; e1 h+ E0 Q4 m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!
$ F% p& `6 r1 T% i! I% bmeijuli66 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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5 a) ^. o9 j* K3 n9 `9 AThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

$ E# e  A- T$ \+ N, {; Y" W% I9 OMerix 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.
! n: w8 q3 p  U+ O2 e- _1 d4 F; }2 u& HYou 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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! f  d+ k9 [5 B  w$ I9 x, uWhat’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.
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3 p5 i! Z4 x2 h2 `& qThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
. S1 \1 r" D" R0 P. i% t9 U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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3年浮动 P+0.10%

1 h$ w% Q  w% c3 v8 a) L* }9 E5年浮动P+0.20%
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3 year  fix  3.39%
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4 year  fix  3.85%
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: G# W+ @2 ^7 `# Q9 ~8 B0 C$ e8 C5 year  fix  3.99%
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