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%

. d- p: a( v6 K- R! t' y2 C% g5年浮动P+0.30%

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9 q9 c- L6 W9 U! C) h3 year  fix  3.39%

" p5 |0 o; l9 T% K+ \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！
lunik 发表于 2009-8-14 19:20

& h  f4 Z( a$ l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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/ J9 [5 C2 p8 S' q, D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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8 c; B! i6 T! B3 m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

Variables Get More Competitive

' z& r" M! |2 D7 _9 M& b: a Variable-rate mortgages are inching closer and closer to prime.
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/ L) I: J" K" {9 V* R* R: DThis 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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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.
4 r: k% _7 ]( |0 ~) n" ?, ~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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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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* p* C8 v4 N, Q, ` 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’ ...
& l2 P8 [5 Y, }" G! D0 z年轻的心 发表于 2009-8-16 14:13

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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：
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: U  I: D: Z& {6 `9 H6 Z3年浮动 P+0.10%
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- Y7 F1 i0 A' n5年浮动P+0.20%
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. h  U8 [+ e" _9 }5 ], \3 year  fix  3.39%
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" z. A# B8 ^: i% w+ s0 Q4 year  fix  3.85%

5 year  fix  3.99%
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