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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2 |6 y2 M" K5 X# R利率新动向：

+ W- b! P& N) h/ q; l3年浮动 P+0.15%

7 c  i# Z5 n7 C% {5年浮动P+0.30%


3 N( X: x- j7 [$ |6 l  U. \+ H3 year  fix  3.39%
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4 year  fix  3.85%

& A2 N: x1 F/ M/ s5 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！
' Q; N9 [: u+ i5 hlunik 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。
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4 V( S' T* U0 U! B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%

9 s. G% i+ N" _3 B# E& c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!
  x6 N) _4 X( a& Umeijuli66 发表于 2009-8-15 23:33

+ i! o$ s, ?# h, e' gVariables Get More Competitive

Variable-rate mortgages are inching closer and closer to prime.

( ?  b  O5 a/ G2 \; k$ YThis 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?”  
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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6 x9 x. P! i" 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

  F0 [. v! T) _$ h5 q 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’ ...
3 J1 D( a, G1 g年轻的心 发表于 2009-8-16 14:13

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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：

& ?8 N: O- h# q9 q8 C1 n" y7 a5 n3年浮动 P+0.10%
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5年浮动P+0.20%

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9 ]6 p/ Z" J, [8 v( c3 B( \3 U& D. ?3 year  fix  3.39%
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4 year  fix  3.85%
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5 year  fix  3.99%


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