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%

7 ?/ O( }; W# a& `8 A1 n  T8 K5年浮动P+0.30%
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3 year  fix  3.39%
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) _0 |( d' w7 V$ j. q4 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

5 U6 i- X/ h2 S& ]: N

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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/ _% ], b4 f/ E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。

( d0 C( o/ @9 F. G% [0 R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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$ c- N: U" K4 o: p+ A- f6 z3 l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

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- T, K( C7 a: E, d2 i, b) U. N' b4 N" J7 RVariables Get More Competitive
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Variable-rate mortgages are inching closer and closer to prime.

# h1 Q1 l$ ?+ n) SThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

  a  ~& g0 D3 P( bMerix 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?”  
3 b% o/ J/ y) u; }' DThe 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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0 L- \3 s% m8 \. T# Y+ }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

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

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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0 C: a# w" s0 `( F4 z8 ^3年浮动 P+0.10%

. m: Z2 l: r3 V: W. L. }5年浮动P+0.20%

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1 y1 v6 H2 g0 x: G' M* r0 d3 year  fix  3.39%
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. x: @9 O( G2 p! p# n' b" I4 year  fix  3.85%
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+ N) R$ P) h2 B1 ?; F. D5 year  fix  3.99%


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