利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

5 s' G5 ^& D2 o0 H- @$ ]利率新动向：

3年浮动 P+0.15%

3 }1 s+ ~  L/ `* j: F( }+ @5年浮动P+0.30%

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3 year  fix  3.39%

9 `9 e1 v2 q$ K: u( L7 z4 year  fix  3.85%
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2 U' _( o4 F. Y9 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

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
$ m6 d) D* J3 dlunik 发表于 2009-8-14 19:20

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6 T1 `  p4 j3 [( o9 M- L1 D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%

* ?; x; g1 X; \: o+ w7 t  \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!
& }/ G7 d# O7 g- o8 Zmeijuli66 发表于 2009-8-15 23:33

Variables Get More Competitive
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Variable-rate mortgages are inching closer and closer to prime.

/ t( ]; ?$ T+ m. j2 q, }- I; TThis 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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: M8 b, N( i* ^8 WMerix 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.
4 f% \9 y+ X! Z" B# \% ?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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# u: m* g+ z. z2 H+ B/ e% MWhat’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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9 U! Z: R# d& m; J. P! m9 _ 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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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 z3 W8 I5 [. e3 H! D3年浮动 P+0.10%
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+ d; e; v6 N- E: `6 \9 Z  T5年浮动P+0.20%
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; g( o0 y; ?9 v2 S3 year  fix  3.39%

4 year  fix  3.85%

& q1 Z# \- l. k( D5 year  fix  3.99%
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