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：

3年浮动 P+0.15%

. ~' @' N+ F, |# _3 q& @3 S' E5年浮动P+0.30%

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3 year  fix  3.39%
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$ {& E. p0 h. m4 i# F- X- a4 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

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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。

3 e% F+ @7 q" z! M3 `' S; g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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( U# W2 Y* P8 v  w9 `$ `4 x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!
; f$ u  u1 O7 y5 l5 J# v0 M/ J5 Bmeijuli66 发表于 2009-8-15 23:33

2 S6 J+ z) g* L8 O, {1 O9 P$ RVariables Get More Competitive

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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/ g3 O( j  ?% \* r  N* c" YMerix 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?”  
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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  l# \  N0 {- D; c! b3 R4 c# ]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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! F2 ^  T1 M9 _3 W' n* d( s  W( e Variable-rate mortgages are inching closer and closer to prime.

% z$ D+ i# p6 g. c* IThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
. }0 {8 {+ U! \& M; K年轻的心 发表于 2009-8-16 14:13

) v% F$ r! G8 gthank 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：

3年浮动 P+0.10%

4 {/ u6 K' ^. _, j- B( k( A% g0 e5年浮动P+0.20%
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3 year  fix  3.39%

) T& }, w/ \; s4 year  fix  3.85%
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5 year  fix  3.99%

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