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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0 G- g  V6 @- s  v- m6 y3 J利率新动向：
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* D' M/ s' l& v! |3年浮动 P+0.15%

5 }' l! k; J1 H$ ~. @5年浮动P+0.30%
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* f6 l7 ^& y) S' M6 z3 year  fix  3.39%
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, q- {+ P. }' d/ ?, K4 year  fix  3.85%

' Z( u0 w% G0 F2 Y# ^9 f6 q5 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！
4 U0 E9 D6 P2 C6 }. z9 U0 Zlunik 发表于 2009-8-14 19:20

% Y0 Z+ Q, x2 f* r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。

$ i4 n# q" \! U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

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Variables Get More Competitive
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0 F! U! G; w# s' ? Variable-rate mortgages are inching closer and closer to prime.

. X/ t  \9 `) Z# m+ x2 {This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

' i+ o, I$ v0 |4 U) ?" V, C2 FMerix 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.
: ~: z( P! s* u# j; X5 eYou might ask yourself, “Why would I want a variable term under five years?”  
5 }/ U; D# X) a# c- A. E( pThe 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).

- T/ F- B& d2 D5 h: ~! b- j; [6 {1 hWhat’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
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Variable-rate mortgages are inching closer and closer to prime.

7 M: v; J4 Y: i) l) L5 @. ?This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
  N# V/ J* V' k& l% p  A4 {8 M  L年轻的心 发表于 2009-8-16 14:13

$ c; O. R. K5 V8 t8 j7 p5 n9 Kthank 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%
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5年浮动P+0.20%


" z% ?! n7 N; u; h9 o' [3 year  fix  3.39%

' \  Z' V+ |( x5 ?9 Y( h; c, L' o4 year  fix  3.85%

$ D* Y2 C! Q8 n; m( T# N5 year  fix  3.99%
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