利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

6 _: c4 }3 l' Y利率新动向：
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3年浮动 P+0.15%

$ U. _1 T) f' \2 I7 a5年浮动P+0.30%


3 year  fix  3.39%
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* a, m! g6 M! Q4 L1 L1 O4 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！
7 Q! g% ?& B7 r# y" f  O: i3 N* P0 olunik 发表于 2009-8-14 19:20

" P$ ^4 u$ _6 A4 u8 U( e& |% l) O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!
meijuli66 发表于 2009-8-15 23:33

: A4 S" `9 Z/ H6 _Variables Get More Competitive
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8 Y8 i1 N! f' C& f# z% v1 m/ e5 v' z 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.

* ~, _- J2 [) c# }  t4 [; @0 JMerix 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?”  
, ~$ X/ E. h2 M2 q2 p' q: E, jThe 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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. a5 {9 `; x( D! PWhat’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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$ F3 A+ I, W* u8 I, J 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’ ...
/ l: T0 t2 b* j年轻的心 发表于 2009-8-16 14:13

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% Z* X% {4 n- f8 c: U0 C$ w2 ^, fthank 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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' s  e7 i% g* N( Y3年浮动 P+0.10%

; w0 F0 {/ K6 J+ C3 U9 V+ m5年浮动P+0.20%


3 year  fix  3.39%
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4 year  fix  3.85%
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* _* p2 I! d: `0 \* G5 year  fix  3.99%
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