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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利率新动向：
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4 C" t6 ?! h5 K+ t6 w  F0 H3年浮动 P+0.15%
  k' n) G4 M, a- m, a; ?0 y3 ?* f- x, [
5年浮动P+0.30%
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. e  u. w7 v/ s! E8 ]3 year  fix  3.39%

4 year  fix  3.85%

3 d; e3 q' D% x3 O0 t( a5 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！
. ~7 W" |) F% D; T, |$ Vlunik 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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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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) a/ ?; b1 Z" P* e6 X6 w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!
0 S4 |1 r. [3 [1 qmeijuli66 发表于 2009-8-15 23:33

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# n6 M8 n; c* I3 sVariables Get More Competitive
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( U/ s: q- q/ b/ b Variable-rate mortgages are inching closer and closer to prime.
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6 O1 R! [; Y5 W9 w% `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.
. w' o9 _. A* g. R5 DYou 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
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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’ ...
年轻的心 发表于 2009-8-16 14:13

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! |' v2 ?( O2 F; X! Y$ w3 k0 s5 qthank 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：

* M  C5 u  t( E# {+ [' y3年浮动 P+0.10%
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5年浮动P+0.20%


3 year  fix  3.39%

. b; G! _" s/ }4 r6 F4 year  fix  3.85%

. F  ]  n+ S: U  A6 s. m+ t  ?5 year  fix  3.99%
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