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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4 W( f* y- f7 ~' o4 D6 T, g利率新动向：

3年浮动 P+0.15%
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  L0 t) G" B, y! i3 @- z& G5年浮动P+0.30%
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3 year  fix  3.39%
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4 year  fix  3.85%
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  d# S7 D$ X! G3 Y$ e1 J) B3 b4 Y+ N5 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

7 d; T* m, s. z1 q1 |& A% L) T0 G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。

7 L% G3 d2 @2 t) T1 M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!
5 }; P: y* g8 k" Z3 M4 a5 Wmeijuli66 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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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.
( ~0 g9 U* ^# X2 ^& g& oYou might ask yourself, “Why would I want a variable term under five years?”  
8 W% _1 L- Z/ @/ C7 dThe 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).

! N; y0 V: B1 C, R& E- j8 sWhat’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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" c1 k/ j1 V( g Variable-rate mortgages are inching closer and closer to prime.

7 F% ]: C4 w7 h+ SThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
5 A' {8 e7 S; S! P, Q% S  v* f+ D4 E年轻的心 发表于 2009-8-16 14:13

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$ G9 r6 |* t8 O* Mthank 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%

5年浮动P+0.20%
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7 u0 v/ c4 @/ L/ v) e3 year  fix  3.39%
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( F8 @. e( O  a; Y; q4 year  fix  3.85%
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5 year  fix  3.99%
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