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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: y# ], i$ i  ^  x2 m3年浮动 P+0.15%
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  r0 Y3 s4 H" ]  {5 F2 N% N5年浮动P+0.30%
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3 year  fix  3.39%
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4 year  fix  3.85%
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4 m+ _2 ~) F3 g; E6 `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！
5 E" f( L+ e0 t$ |3 @- ~. K7 t2 Rlunik 发表于 2009-8-14 19:20

9 [$ L6 s8 m& F9 J; W% ?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!
; H3 }# X4 k6 E% l% H2 X4 R" Z) ~meijuli66 发表于 2009-8-15 23:33

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Variables Get More Competitive
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' |) g& k1 u: y( T  V8 p 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’t been this low since last fall.
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8 D; Q$ |( n1 v3 A2 NMerix 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 _; n+ i# P5 ^You might ask yourself, “Why would I want a variable term under five years?”  
# T& ]9 x: }" b5 @8 p0 qThe 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).

6 A, N3 D2 n3 y$ `3 Q+ D1 J4 {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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3 d, ]" C  C3 K9 D6 N& v7 o 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’ ...
4 r+ Y/ c* ]8 [( v! K: {" o年轻的心 发表于 2009-8-16 14:13

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( w; [! D: _- |0 @. a( {* R7 T; 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%

5年浮动P+0.20%

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3 year  fix  3.39%

4 year  fix  3.85%
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; {1 C" n7 B4 K- h/ [! D7 \5 year  fix  3.99%
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