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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7 I$ Q5 i9 C, w* N6 B7 [5 P9 |利率新动向：
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3年浮动 P+0.15%

5年浮动P+0.30%


3 year  fix  3.39%
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4 year  fix  3.85%

0 _* m/ V. }( o; H$ V) p5 i  q  b) w5 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！
7 H2 i; r( W! `( J( A* N. nlunik 发表于 2009-8-14 19:20

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) @( u& ?, y7 O% E+ t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。

# d9 ~1 c0 n% g2 {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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8 Z" a6 {8 b' ]5 O- f5 O  \Variables Get More Competitive
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3 G8 w  ?) c, g' K& | 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.

4 n# G+ |# U, J0 n+ N6 }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.
# O1 X$ X% [( o+ H6 F% pYou might ask yourself, “Why would I want a variable term under five years?”  
6 n2 C9 e# X, {: BThe 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).

5 m& U: l( R+ S$ ZWhat’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

) [% K" `. p+ m' Q Variable-rate mortgages are inching closer and closer to prime.
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$ `1 `: l3 d0 `+ s6 U! x. O( `This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
2 D4 _/ p$ a/ x( I$ l& q- x1 R年轻的心 发表于 2009-8-16 14:13

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) r. A$ t/ ^" J. c  ~; fthank 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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. a1 n7 f2 J: B/ e8 u4 S3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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# T5 C/ R+ f: f9 x4 f9 ?0 X4 year  fix  3.85%

5 year  fix  3.99%

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