利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

' ]' X; T. |6 ^. }6 m- s! v( f: I) \利率新动向：

' V& J) k1 c) ]6 m! g5 g, l6 A. }3年浮动 P+0.15%
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5年浮动P+0.30%


3 year  fix  3.39%
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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

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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

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。

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!
meijuli66 发表于 2009-8-15 23:33

9 |! r7 @( d, x0 nVariables Get More Competitive

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

8 W( ]  y" p9 b$ ~+ c* XThis 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?”  
! q7 ]5 F% Y  @- C% l! CThe 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

; P% E( K$ E0 j- y$ g( O; X* P Variable-rate mortgages are inching closer and closer to prime.
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' C& C  V" g9 I+ v; _  H4 jThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
1 S$ g4 K/ i2 X; T0 l年轻的心 发表于 2009-8-16 14:13

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/ P& C* Y# g4 |% m: 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：
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' L0 t1 Q3 ~- }3年浮动 P+0.10%
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5年浮动P+0.20%
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$ l' B1 Q. A# n% z% Y2 Y: ]- A' A
2 X% g1 [, B8 U. o; `" F$ [+ S% {8 t) O+ F3 year  fix  3.39%
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4 year  fix  3.85%

5 year  fix  3.99%
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