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：

( g3 N( B" X0 ^0 \0 Q, n3年浮动 P+0.15%

, Y  g1 ?" c9 h2 B9 e5年浮动P+0.30%


3 year  fix  3.39%
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4 year  fix  3.85%
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0 H* P" H8 F2 [: J1 t! q9 {* w7 r5 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

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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。

# W5 k; p1 }& f  |- S* r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!
meijuli66 发表于 2009-8-15 23:33

7 P; P+ `9 F5 @* `. qVariables Get More Competitive
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% _7 w& s, `& W1 T- M8 A Variable-rate mortgages are inching closer and closer to prime.
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" ^7 k& O- p  `1 L8 PThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

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?”  
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).
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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

* j9 w0 r) {$ g; n# k; { 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’ ...
+ m; X8 u/ _4 I# m8 b  t- A/ ^年轻的心 发表于 2009-8-16 14:13

, v+ s/ \9 `" U+ S) Xthank 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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3年浮动 P+0.10%

, C2 N2 P" o. y2 v6 Z5年浮动P+0.20%


$ H/ ^, ^& Y0 I8 S$ ~1 Z3 year  fix  3.39%

* A( i# i3 B1 m7 V0 G8 d- r! Q4 year  fix  3.85%
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5 year  fix  3.99%





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