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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; y. X6 O* c, V$ W% R8 X; c利率新动向：
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3年浮动 P+0.15%

5年浮动P+0.30%


9 e* P% y% }6 b1 c3 year  fix  3.39%

4 year  fix  3.85%

* c0 R* B1 |+ {; t' h5 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！
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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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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+ R! f/ f! r& v+ b9 e* w- z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

: a" B* q" ?( l4 nVariables Get More Competitive

Variable-rate mortgages are inching closer and closer to prime.
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% K* _% U- i( I9 |This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

& V' z  ]# d5 Z' Q. EMerix 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?”  
9 o( K) R* D9 q& F! MThe 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).

0 ?8 I4 m8 q1 t7 V3 a: Q6 B8 a0 eWhat’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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  }4 t. U# F5 s* \- d 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’ ...
; B" Y1 V+ R7 g) K1 D/ B% w年轻的心 发表于 2009-8-16 14:13

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9 {2 A! V* f, y  J; x" t4 ^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：

# U" g$ x! o' z# Z: @1 F" |3年浮动 P+0.10%
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7 d7 k( h. N% v/ R5年浮动P+0.20%
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. z6 Z4 Y* [7 r6 j8 e3 year  fix  3.39%
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  P3 Q2 {# t3 `  I* }4 year  fix  3.85%

, Y8 }4 }* m* E5 M- D5 year  fix  3.99%
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