利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

' j% u; O  O& G( d* W7 v3 Y利率新动向：
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3年浮动 P+0.15%

5年浮动P+0.30%


. y1 s- c) T7 ~# p# h! c) x3 year  fix  3.39%

4 year  fix  3.85%

2 t8 d) k9 r" d* ^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！
3 I" E' e9 }/ G4 M5 c3 X& G, elunik 发表于 2009-8-14 19:20

5 m: p3 m2 Q( ?- a& \- G' v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。

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!
1 }* l. V0 M! l5 k0 ?+ qmeijuli66 发表于 2009-8-15 23:33

, d0 K+ \) m; k3 a- }% w8 l* OVariables Get More Competitive

( H' q7 O5 S8 N Variable-rate mortgages are inching closer and closer to prime.
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0 C0 ^  s: ]7 JThis 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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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.
4 [, E0 Z, {% EYou might ask yourself, “Why would I want a variable term under five years?”  
! r9 r( D: Q9 ?& {, z: p8 vThe 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).

3 `6 w; a2 b9 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

% f/ o7 q' K  e' e- y( E Variable-rate mortgages are inching closer and closer to prime.

4 A) O0 A2 K/ B# y+ DThis 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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: s6 t' q! H2 S# S. J1 sthank 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%

3 u+ v; r. G! c- I/ ~" I' n5 Y2 I5年浮动P+0.20%


3 year  fix  3.39%

4 year  fix  3.85%
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5 year  fix  3.99%
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