利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

利率新动向：
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3年浮动 P+0.15%

% ?: w! D2 u$ u5年浮动P+0.30%
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# B: i/ B! Y, p- \$ m3 u3 year  fix  3.39%

: _# \+ U3 |4 R* u( {$ b4 year  fix  3.85%

' c# `( j/ Y4 e0 |% X# j) z5 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！
4 u1 ~; T. K. c3 p( glunik 发表于 2009-8-14 19:20

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7 X( I: u" w/ Y9 [7 d4 E% u' k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。

/ X! g& u5 A4 B0 Z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!
- _* D) i! X% W. E: Mmeijuli66 发表于 2009-8-15 23:33

Variables Get More Competitive
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Variable-rate mortgages are inching closer and closer to prime.
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1 c( R% p! M: ]0 g# ~% b8 vThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

' W2 o& [$ |+ t: B8 d2 `$ hMerix 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 G& O  H9 g: y' ?7 v; m" N1 j9 g- ~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

' q$ u' Q! g3 _9 i Variable-rate mortgages are inching closer and closer to prime.
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4 H) Y. D; ?2 R0 e( r9 CThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
  L& l- O6 }- L+ s. A& n; B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：

3年浮动 P+0.10%
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5 e- U9 I* u3 H! D5年浮动P+0.20%
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3 year  fix  3.39%
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4 year  fix  3.85%

" j3 p/ e) m7 e7 Q* f8 \. z5 year  fix  3.99%

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