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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$ H/ ^5 L  {* N# j8 c0 N1 w$ I3年浮动 P+0.15%
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5年浮动P+0.30%
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3 year  fix  3.39%

4 year  fix  3.85%

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！
$ e+ @7 E, ~) [8 @$ [6 Q4 ylunik 发表于 2009-8-14 19:20

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% F" x3 I7 W8 n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。

# d( ~( O3 q; j' i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!
meijuli66 发表于 2009-8-15 23:33

6 m3 ?+ v( J3 K/ i; EVariables Get More Competitive

Variable-rate mortgages are inching closer and closer to prime.
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# |5 E# M  Y0 z- r& H0 L) ?( G0 wThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

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.
9 u- W1 z* b! g; o6 sYou might ask yourself, “Why would I want a variable term under five years?”  
# j' a& N% Z& H' I6 S; ]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 |9 W  x& A4 b9 N9 m9 g: aWhat’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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3 r6 G8 {% K3 I8 i) Y: U# [5 O7 `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

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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%

5年浮动P+0.20%
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) W- A" C" i7 L* z# R$ q3 year  fix  3.39%
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4 year  fix  3.85%
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! Q' Z( D" U( F1 O2 E) }* d5 year  fix  3.99%

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