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：

3年浮动 P+0.15%
0 q& ^; i1 Z# P+ D4 }- l
5年浮动P+0.30%


3 year  fix  3.39%
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& s  b" g0 |* b; L, A6 L7 {4 year  fix  3.85%

! F* c. H# n: \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！
lunik 发表于 2009-8-14 19:20

0 O6 m& `( n: G% ~& f3 w9 {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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5 ]+ F, W, y, ?2 \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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5 a# n1 q4 ]; T. k  s) }8 c* B. m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

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’t been this low since last fall.

( p+ J. o+ h. m! f. hMerix 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.
  E/ d& Q% z4 v5 p/ O6 zYou 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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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

* b: n  C" M2 S) @4 j8 f9 d Variable-rate mortgages are inching closer and closer to prime.
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; z2 L3 W5 V+ P% X. z* gThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
  R. h6 Q$ d6 K. J, j/ S% Z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：

3年浮动 P+0.10%
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8 Q. {6 b: O' n% w. L' Y5年浮动P+0.20%


3 year  fix  3.39%

) C! o  _4 M( |4 year  fix  3.85%

$ X- w+ K$ B5 @* a5 year  fix  3.99%


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