利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

* P, g2 `9 p* \3 h' z. o3 H8 p4 ^利率新动向：

3年浮动 P+0.15%
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, {6 [* o7 N7 h; B5年浮动P+0.30%
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3 year  fix  3.39%
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; ]+ H. V' R& {" m4 year  fix  3.85%
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3 S1 N5 m  D1 h1 e. Z5 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 z6 n8 h5 Q+ alunik 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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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

  G, @; w: j# W0 V, T. r/ ~Variables Get More Competitive

Variable-rate mortgages are inching closer and closer to prime.
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! T  u4 g8 ^& h. Q7 _This 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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6 _0 H6 P2 y6 j  cMerix 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).

- w3 R2 f* Q3 I, e7 |" LWhat’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.

, K! g* a/ p1 I: hThis 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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8 A9 R# _  h7 @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：

+ w# }& D9 k# Y3 n2 ^$ E  [: J3年浮动 P+0.10%
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5年浮动P+0.20%

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! a6 h9 }- ^. t$ f- e! s. j2 n4 w3 year  fix  3.39%

5 t9 ~8 A' ~5 e" }% W( W4 year  fix  3.85%
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( b4 J% y# z( i' R/ Z5 year  fix  3.99%
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