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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6 ^7 u; y+ ^( x- F! a" \利率新动向：

. ^' j# m  |6 {3年浮动 P+0.15%
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& B1 j8 b( S+ W' F5 R- X' H) w5年浮动P+0.30%
  S* J0 p0 g# b  D

3 year  fix  3.39%
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. B* G. l4 X5 c' i+ n( n7 X4 year  fix  3.85%
/ {/ s: R8 H  d9 @6 p
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

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
0 V! B: K7 L' [* B/ {6 P9 ilunik 发表于 2009-8-14 19:20

" |3 T. i) i, e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!
meijuli66 发表于 2009-8-15 23:33

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) t! X5 [* w' y* ~$ S* K3 KVariables Get More Competitive

; p* M) p4 R5 R; @" q% ^1 k8 M 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.

0 v: ^  E% ?/ }  I3 i, ?! m: i% BMerix 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.
) l; R( r: f0 b6 Q  O  |9 U' c! M% K' fYou might ask yourself, “Why would I want a variable term under five years?”  
4 Z$ ^5 z* n$ P, r9 iThe 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
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Variable-rate mortgages are inching closer and closer to prime.
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' B' @6 g* Z$ n6 ~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：

3年浮动 P+0.10%
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- M$ L1 a+ a2 z* Q5年浮动P+0.20%


3 year  fix  3.39%
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) E% {, F" D* L6 j; `) m6 M4 year  fix  3.85%
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5 year  fix  3.99%
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