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：
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3年浮动 P+0.15%
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5年浮动P+0.30%


3 year  fix  3.39%
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4 year  fix  3.85%
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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！
' n! H* X2 P/ x) ^lunik 发表于 2009-8-14 19:20

/ K* [/ }+ B3 V7 l4 \3 Q1 E0 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。

/ u- ]2 S0 E. o1 q8 F4 K' F( _) U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

2 [% n4 c, g1 B8 _# _2 p2 gVariables Get More Competitive
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! u; k3 a8 v( j Variable-rate mortgages are inching closer and closer to prime.

" F! a( E# l# ~) g9 S, |This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

- F0 N, g- v) u2 V3 k; v% fMerix 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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+ B0 h8 B" B: ~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
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2 M$ u* |1 u- Q0 j" x1 [; s# T 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’ ...
; g( B( I& d" }( s, G8 v, v8 o0 F年轻的心 发表于 2009-8-16 14:13

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1 }$ e. j& w  z" Y( T% dthank 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：

2 g; C4 a) }/ z9 E0 V; ~, A( A3年浮动 P+0.10%
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! T7 t& T* t3 u: a5年浮动P+0.20%
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8 \: s) k8 I. h3 {4 w- l3 year  fix  3.39%

' H: q9 q! h. z* ^9 l4 year  fix  3.85%
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: X  i! h# R; f$ |2 V5 year  fix  3.99%
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