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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4 g% `  y. m; U/ C# v; e0 k利率新动向：
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3年浮动 P+0.15%
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# ^) G6 k8 [: A1 s5 ?5年浮动P+0.30%


3 year  fix  3.39%

0 ~$ M8 ?$ v$ U& i4 w5 {4 Z4 year  fix  3.85%
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2 V4 \9 O/ a0 M( Q( S/ ]9 ^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

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
) C& ^7 l9 \+ \lunik 发表于 2009-8-14 19:20

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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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8 D8 u: F/ Q; O+ [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%

* g: Q4 z8 g0 b7 M  _' C! N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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! c( L2 h5 p7 O$ O$ |Variables Get More Competitive
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Variable-rate mortgages are inching closer and closer to prime.
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+ ]8 d; m, |0 F) ]This 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.
( B  z4 p8 M4 R$ n- w2 |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).

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.
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This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
, w5 N% m% L& C& h' T5 r年轻的心 发表于 2009-8-16 14:13

3 w/ k+ t$ V+ Q+ E6 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：

3年浮动 P+0.10%
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6 ~* X: o* M) G' `* z+ {2 l5年浮动P+0.20%
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4 M( B- r% X; N" U6 M3 year  fix  3.39%
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4 year  fix  3.85%

5 year  fix  3.99%





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