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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+ s7 ~, `: l) a2 X利率新动向：
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, V1 A/ D9 H5 D/ ?+ h$ l* ~& L0 o3年浮动 P+0.15%

- c* |& z  J  j+ o0 R1 |. f2 P2 r5年浮动P+0.30%

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3 year  fix  3.39%

4 year  fix  3.85%
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) a+ ^+ u3 ^" w; U. N$ s$ F$ w& }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

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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

9 U$ D' F% E7 {! |+ ~' R# _3 r1 b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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8 N' A  i% r6 D1 B, J( ]5 g  T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%

- k0 p+ o  q7 G* L6 k- f. u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!
! e- V# c! ~% t( z9 q$ ~meijuli66 发表于 2009-8-15 23:33

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6 M" M0 R+ u, xVariables Get More Competitive

Variable-rate mortgages are inching closer and closer to prime.

This 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.
, m% R6 X' P6 F9 U' a( m4 |& P+ HYou 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
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& D) W' p) o3 _5 G/ ?3 {8 I) ? Variable-rate mortgages are inching closer and closer to prime.

This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
& `! U  O( n) a. H年轻的心 发表于 2009-8-16 14:13

! @0 {* |. O+ ?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：

5 b: }; n3 v' F$ [  Q3年浮动 P+0.10%

5年浮动P+0.20%


: `5 Q2 G3 d7 {& Z3 year  fix  3.39%

: U* r) \/ D2 O" t4 year  fix  3.85%
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. A! ~$ g* b6 d- _) K; j& e5 year  fix  3.99%

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