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：

! T9 P  N3 R* E* _$ }, ]3年浮动 P+0.15%
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/ V# G( ~( J( |- u7 z, Q9 D; O$ D, O5年浮动P+0.30%


5 H, i: |9 s( c- m. t3 year  fix  3.39%
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8 s3 D. [' B( f) \2 k% z. Y4 year  fix  3.85%

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

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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%

$ p; t- W" U" n* O6 Y1 {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!
  y( ~* n/ A$ N$ @meijuli66 发表于 2009-8-15 23:33

Variables Get More Competitive
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( r& \8 Z4 @0 x' |+ E9 m Variable-rate mortgages are inching closer and closer to prime.
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4 D! n2 q- {# A, ]) ^) W- RThis 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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4 z, _! k% e2 H  V" A# IMerix 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.
- `4 X8 u1 V( H* C( @& ?* ?- VYou might ask yourself, “Why would I want a variable term under five years?”  
2 O1 @" D# i6 N3 P, M. o+ qThe 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).

/ R" n' T, t! FWhat’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.

' `: d8 l3 P. q; ]8 c: V8 sThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
9 h' }# |$ X; L" q/ c2 Q9 e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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3年浮动 P+0.10%
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5年浮动P+0.20%
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3 year  fix  3.39%
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8 w, B/ c0 @) |) X4 I4 year  fix  3.85%
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5 year  fix  3.99%

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