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：

" L7 f; J& W2 b& U1 G3年浮动 P+0.15%

5年浮动P+0.30%
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% M& y% o. i, I- _' ~3 year  fix  3.39%

4 year  fix  3.85%

0 p+ J& c2 u  a; G: N( n. D5 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

0 ^8 S5 |2 ?1 S" J& X" n! a

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
$ v, B5 g0 q* e9 u+ _" K% alunik 发表于 2009-8-14 19:20

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# N/ @% t. k2 w# z8 B. W% 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。
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3 i/ Q$ @" C7 Z8 O- W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%

! G! M& O$ k" q$ s# k' ~9 V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

0 |8 \. s+ a  g* W+ a2 iVariables Get More Competitive

& o5 M3 x- ]% J( e: ?' s Variable-rate mortgages are inching closer and closer to prime.

8 N( D# R9 D% z1 u* ?/ a; Y  fThis 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.
You might ask yourself, “Why would I want a variable term under five years?”  
, b' w! Z& L/ s$ J7 n% f) 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).

/ w2 @% V' ~$ H; ]2 ?! \; oWhat’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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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’ ...
年轻的心 发表于 2009-8-16 14:13

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1 K. D5 ]* k6 u  g5 lthank 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：

( d. `- X, s6 R1 M& X3年浮动 P+0.10%

6 P; s2 F4 D7 M) A/ U5年浮动P+0.20%
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3 year  fix  3.39%
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4 year  fix  3.85%

5 year  fix  3.99%
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