利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

利率新动向：

3年浮动 P+0.15%

5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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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

3 O0 l* {' ^  K4 J1 E- J

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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; T! s* Q1 K( |4 |, k5 o/ h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。

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!
3 F& C" i4 t0 }0 hmeijuli66 发表于 2009-8-15 23:33

  z9 r: o, x3 E, R3 mVariables Get More Competitive
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' x, t4 K1 G; P# |. h1 g3 ~ Variable-rate mortgages are inching closer and closer to prime.
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1 h; w6 L" \5 v" H$ cThis 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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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.
You might ask yourself, “Why would I want a variable term under five years?”  
; N6 S0 @* O, [; H& F- R; p2 l1 TThe 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).

  ^* a: g6 ?! `" s& y$ W( P& uWhat’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.

0 A+ e; U0 W" M  nThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
9 B3 i' R. Z  U年轻的心 发表于 2009-8-16 14:13

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8 v( P5 w3 L& M7 p' M4 a  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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' D8 Y* d* B3 S# P+ z! r3年浮动 P+0.10%
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3 D, r8 p& |# k) G5年浮动P+0.20%

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- Y" X$ y' E5 P5 J9 \& l3 year  fix  3.39%

- E3 Y# T+ B2 z+ q4 year  fix  3.85%
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5 year  fix  3.99%
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