利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

. `: p) a' E* R利率新动向：
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8 e( I  \9 |# z2 v3年浮动 P+0.15%
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5年浮动P+0.30%

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& f' [( X6 Q! s3 ?% |3 year  fix  3.39%
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; \) q  `. t% Z4 year  fix  3.85%

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

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# T# c! }: n7 Q" U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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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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6 K; S' u( S0 M7 K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
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" J( c$ S5 ^( x Variable-rate mortgages are inching closer and closer to prime.

% T3 u( R! c" z1 B& @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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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?”  
. V- p5 l  Z9 \4 b2 @/ 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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. ~! p2 `3 B% ]3 a( m# Q1 lWhat’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

" S3 L9 \1 D& W4 L& E& ^4 [ 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’ ...
年轻的心 发表于 2009-8-16 14:13

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- l0 M+ h5 w: d9 b5 {! vthank 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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3 C! V$ w' |: v: X3年浮动 P+0.10%

! P% o  h/ t+ u( a4 c4 C9 W5年浮动P+0.20%
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3 year  fix  3.39%

. l+ ^" u8 [7 w3 m7 s4 year  fix  3.85%

4 |! b. l" Y1 q* r$ r5 year  fix  3.99%



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