利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

* u& |+ m6 b2 |6 s1 }利率新动向：

! |& G% ?( {$ K, r  A3年浮动 P+0.15%

5年浮动P+0.30%

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# }* A7 G  y# O. e- c3 year  fix  3.39%
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' l* K9 o" q  l) V+ ^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

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
lunik 发表于 2009-8-14 19:20

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/ X6 J/ w7 H9 w3 _) A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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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%

: c  O# ?9 u, X% N% O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. s0 e; t- @; d* Zmeijuli66 发表于 2009-8-15 23:33

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: H& C7 P8 t& p0 X* E, PVariables Get More Competitive

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’t been this low since last fall.

6 M1 m/ X7 d" v7 CMerix 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?”  
6 G6 C7 }$ B0 D; Y  I- ?% e. yThe 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).

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
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; c6 X2 N" q, f. o, H1 \* c/ _ 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’ ...
+ T$ ^9 z* H4 j9 K年轻的心 发表于 2009-8-16 14:13

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7 h4 ~1 @3 ^# G" F: Qthank 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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' ?% d, M% y. ]! q" \, z3年浮动 P+0.10%

6 S* X6 f7 h5 p5年浮动P+0.20%


3 year  fix  3.39%

4 year  fix  3.85%

& l& k" J& `/ r$ H8 Z" g5 year  fix  3.99%

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