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：

3年浮动 P+0.15%

5年浮动P+0.30%
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3 year  fix  3.39%

# c5 m* r+ Y  F6 o. W, M4 year  fix  3.85%

4 Y; p! o2 I7 j4 j5 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！
- q3 r  g5 O% x2 ]lunik 发表于 2009-8-14 19:20

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) g7 ^' [- t2 [& W, t/ C2 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。
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  `( R9 J/ L4 F- ]+ s: ^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%

2 S, J7 p) s; F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!
, B; o4 b: @) y( x9 F& j- nmeijuli66 发表于 2009-8-15 23:33

Variables Get More Competitive
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Variable-rate mortgages are inching closer and closer to prime.

! b/ g+ k* I: O) d, H: R; _+ sThis 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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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.
1 X$ y! u0 _7 l8 z& L0 r4 wYou might ask yourself, “Why would I want a variable term under five years?”  
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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. Z5 V: }' t3 I: j: v1 \% |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

Variable-rate mortgages are inching closer and closer to prime.

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

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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. F) p# e8 Q0 ^$ ~0 t2 Y0 @; w9 D3年浮动 P+0.10%
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5年浮动P+0.20%

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0 j5 ]6 W; n8 ]& R4 _. B3 year  fix  3.39%

4 year  fix  3.85%

- S. U& w2 ^0 o, u1 z5 year  fix  3.99%
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