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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# L" o) O% |; X3 ]利率新动向：

6 _5 j0 J- ~1 r. f+ Z: C* `7 q- K3年浮动 P+0.15%
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& E) ~, }4 W: f% A" N5年浮动P+0.30%

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. M" C7 G! P8 t$ {8 a3 year  fix  3.39%

4 year  fix  3.85%
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: x9 [) k6 [) ~6 E% _/ Q5 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！
lunik 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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2 Z3 t; U0 T! H$ ]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!
# Y) R4 r5 g+ V( \4 [8 Fmeijuli66 发表于 2009-8-15 23:33

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Variables Get More Competitive
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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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& K* @8 T7 g8 _1 \5 f( bMerix 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?”  
6 ~0 }( g3 |* ?2 UThe 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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# p' w3 }* k3 T3 A1 fWhat’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

* t' e8 _5 A  ]8 l, h+ i# P2 X Variable-rate mortgages are inching closer and closer to prime.
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1 j5 e8 F8 Y6 `$ Z6 T! [- qThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
' M( {3 X+ V7 l* J! I, T年轻的心 发表于 2009-8-16 14:13

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- [9 ]3 d; M0 q* N- z* X1 i& G) Ithank 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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; j" ]: V% L0 W2 E9 {3 \: I: O/ d% R3年浮动 P+0.10%
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5年浮动P+0.20%


5 ~) }' k: {6 l/ m- V$ x3 year  fix  3.39%
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4 year  fix  3.85%
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5 year  fix  3.99%

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