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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+ ^# J* X1 s/ H0 E" X" L利率新动向：

3年浮动 P+0.15%
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5年浮动P+0.30%
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" \4 Q; r) ~3 M& h3 year  fix  3.39%
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4 year  fix  3.85%

7 L8 f% i3 X  B' T& B, _- [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！
( j4 C; Z# r" D/ elunik 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。

' l9 P% C% f3 |8 p! {* t- |: M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%

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

! r# d0 z7 C, \" V" B1 LVariables Get More Competitive

Variable-rate mortgages are inching closer and closer to prime.
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. i" w/ q5 B) L8 }* |1 HThis 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.
0 H0 e8 C. Y9 _1 oYou 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

Variable-rate mortgages are inching closer and closer to prime.
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) n! x" D0 T# U/ e  ZThis 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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3年浮动 P+0.10%

5 o4 h0 x7 H( K" u, b5年浮动P+0.20%

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3 year  fix  3.39%
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4 year  fix  3.85%
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/ ~8 h9 z' |4 o! s2 F7 W5 year  fix  3.99%

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