利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

) X: i0 s( t$ p利率新动向：
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8 U# E) k# X; B) q5 a3年浮动 P+0.15%

' H! x5 ]8 p3 m  ?" E  X2 g5年浮动P+0.30%

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2 W6 V5 b0 K. G3 year  fix  3.39%
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3 E5 s& l, Q3 y! b+ X, X4 year  fix  3.85%
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) d- L& y/ {3 _3 p/ 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

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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！
" Z& w8 m/ o) b1 Ulunik 发表于 2009-8-14 19:20

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3 K5 j- w) Q9 D' y" T/ `5 M/ Q) ~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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0 ?2 _  D6 u$ S& T( y- \7 z0 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%

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!
& K  j$ q- x2 t; Q( Imeijuli66 发表于 2009-8-15 23:33

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Variables Get More Competitive

Variable-rate mortgages are inching closer and closer to prime.
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9 v, D7 J; t) kThis 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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( q9 A9 x; i) ~) bMerix 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?”  
  F& ]$ ~) v1 b: j' kThe 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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# v/ l" u/ A- T. C2 U( T8 }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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3 ?! w# W( c  D$ A7 @" {; xThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
/ B1 l4 ^# V. d" p1 n1 d" ~0 r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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7 @  C' }* p( ^9 d2 U$ \3年浮动 P+0.10%
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5年浮动P+0.20%
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& l+ R" L! s1 t0 T. I5 ~3 year  fix  3.39%
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' T# t/ y: _3 R3 ^4 @4 year  fix  3.85%

4 d2 G3 B* o0 ^7 n5 year  fix  3.99%
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