利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

7 N1 e% i4 o1 Q0 L% T, L; v5 S利率新动向：
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3 f& x" H3 S; Z3年浮动 P+0.15%
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$ B; |, h) p$ T6 ^; }- q9 e) @5年浮动P+0.30%
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0 B5 [6 E" [6 i* y# F! e# Z3 year  fix  3.39%

4 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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' O1 `8 r/ L  x" o6 I9 {, q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%
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# B1 _5 B+ a. s$ U( R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

& Z  `* ^& u' {8 E& _! {/ cVariables Get More Competitive

5 S" C/ L* a+ N  ~( C Variable-rate mortgages are inching closer and closer to prime.

# {' ~5 S9 h4 {" x' xThis 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 l1 q% S& ?% n- l; n4 Z; xMerix 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?”  
* G6 [7 n3 Y* b2 a& O) x4 Z  K4 [The 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).

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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6 K8 w0 L) s( C" S$ f" T 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’ ...
年轻的心 发表于 2009-8-16 14:13

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0 j7 l+ |/ ]  x# {% Gthank 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 ^* L. S0 `6 q& v+ M3 year  fix  3.39%
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4 year  fix  3.85%

5 year  fix  3.99%

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