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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- B/ \) i& d6 Z) `! `. W% ?利率新动向：

" }; }6 f5 l3 T$ _3年浮动 P+0.15%
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% H2 e( F$ _: w/ [( j9 q. _5年浮动P+0.30%


3 year  fix  3.39%
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' ^& A$ l( J5 [! K& T9 F2 e4 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

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

9 C; T! e4 |9 S2 x# C1 H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%
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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!
8 Y! b* v* E; Kmeijuli66 发表于 2009-8-15 23:33

+ c0 X7 u1 O  AVariables Get More Competitive
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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’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?”  
5 e# E* D# X, N. m% x4 ZThe 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
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0 r2 [& i, P) b6 w4 l Variable-rate mortgages are inching closer and closer to prime.
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/ l1 N% e- R0 R3 rThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
/ g+ E6 U7 U$ {5 C; x2 q- e年轻的心 发表于 2009-8-16 14:13

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7 o" ^' m8 G. sthank 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：

1 U( _0 y/ |& x( D5 Y8 q7 n3年浮动 P+0.10%
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5年浮动P+0.20%
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5 T- ?$ t8 m" [1 G% p& }3 year  fix  3.39%
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! X# Z( b) E4 ]! U' H- N) I! Z! `/ O4 year  fix  3.85%

$ b, F& g4 I0 s) c2 a3 P5 year  fix  3.99%

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