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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利率新动向：
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3年浮动 P+0.15%

+ X: Q& P) I0 I4 G' m) r5年浮动P+0.30%
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& m. G; ]0 U- Q" H# z. j3 year  fix  3.39%

4 year  fix  3.85%
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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！
) G3 z0 {9 r5 @. K, C9 W$ _6 J9 Slunik 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。
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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%

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!
1 n2 b9 u" Q7 C) Y1 bmeijuli66 发表于 2009-8-15 23:33

& l* ~/ E( G* @2 w4 Q& d2 V0 [4 O5 sVariables Get More Competitive

  `/ C1 {! v/ {, F- C+ s0 z Variable-rate mortgages are inching closer and closer to prime.
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7 U$ Z3 E9 I) @/ o  O* oThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.
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/ \2 X4 l7 W4 |$ N/ A. Z5 X% _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.
You might ask yourself, “Why would I want a variable term under five years?”  
1 `5 x, e7 }# L' f3 _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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# S7 g' p: o2 w: T+ E. ZWhat’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.
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4 c) u" w* q9 {) CThis 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

9 C$ b5 n0 g* M7 N3 zthank 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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9 F8 U. n2 w9 D8 `$ l5 g3 z" N3年浮动 P+0.10%

8 ?: ~/ Q$ G! ^/ g& t) z* v! @. Q5年浮动P+0.20%

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0 ]& u% d. V* `+ ^3 year  fix  3.39%

4 year  fix  3.85%
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5 [! v* {3 O& n5 i5 @5 year  fix  3.99%
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