利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

8 \* d% v, O# {- T% i, d% P利率新动向：
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0 {" a# Y- K7 B% ?, o3年浮动 P+0.15%
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5年浮动P+0.30%
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1 ~( ^$ U3 Z' _& a8 t6 E: K3 year  fix  3.39%
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4 year  fix  3.85%

  w1 v! u, B1 V- y5 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！
- D4 s- q! V) g# N8 o  O+ ylunik 发表于 2009-8-14 19:20

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。

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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Variable-rate mortgages are inching closer and closer to prime.
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# u7 @; x; N3 [1 h- J& ?This 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.
* G! u& O+ J* xYou might ask yourself, “Why would I want a variable term under five years?”  
" k+ u7 Y6 k: r8 fThe 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).

( w% w5 l' S1 W) {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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# D$ B: M5 c; L0 \  ], u8 r 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’ ...
) I. c6 C* |. a0 d$ a) r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：
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, J+ D4 [8 h/ x  A7 h/ L% u- G; X% F3年浮动 P+0.10%

: E; }# j6 Y& {5 }0 C5年浮动P+0.20%

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9 N$ o# B* A; K& o3 year  fix  3.39%

2 i/ _5 y; w1 c/ V) j3 p& y# K0 N4 year  fix  3.85%
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( c- c' e; H9 I" |5 year  fix  3.99%

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