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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: ]) Q7 i9 s1 s5 e/ w利率新动向：
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3年浮动 P+0.15%
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5年浮动P+0.30%

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3 H" u3 T0 R. ?; ]) P6 M% i3 year  fix  3.39%
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% `' G% y3 |% t5 ]# A  e* J8 V: ?( j4 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

. T# Q  O4 w: x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。

7 _5 d' ]6 C1 R3 e5 D' [; K: p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!
7 e! j0 f- H) Q# L* Gmeijuli66 发表于 2009-8-15 23:33

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. `0 H( Q+ W9 v4 a/ q" G$ H, K/ TVariables Get More Competitive

7 b/ C' b; a% i; |. D5 b3 F Variable-rate mortgages are inching closer and closer to prime.
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& K1 Q3 ^4 e  A. x( KThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

2 G3 Z" W8 h9 ?: cMerix 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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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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Variable-rate mortgages are inching closer and closer to prime.

5 s7 {) [2 m; D. s* Y3 b6 oThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
/ m/ a/ ?6 }- p年轻的心 发表于 2009-8-16 14:13

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' r) P( j( ~, U7 Hthank 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%
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: B+ W% t0 j. |: _/ N5年浮动P+0.20%
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3 D4 F6 H4 w/ l3 year  fix  3.39%
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  Y6 J" n% {0 ]. @2 D4 year  fix  3.85%
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; q/ s* ^0 T' f  Q+ Y5 year  fix  3.99%
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