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%

* J  i. Q% u; Z- m3 x5年浮动P+0.30%
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& E* Y  R: P' }. I/ N& E; @3 year  fix  3.39%

$ T! \% o" ]3 W! d8 c% S4 year  fix  3.85%
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0 _3 D; e4 o" ^3 y- n6 u5 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

: a6 P2 Y8 z2 c4 u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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2 |* u5 c3 x- y; y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%

" R; [7 l' _, A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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Variables Get More Competitive

0 O' Y) V" \9 ~5 U" M Variable-rate mortgages are inching closer and closer to prime.

9 ^) o1 o8 F2 _  Z2 `This 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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, n. C9 b; G& h% y' FMerix 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?”  
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).

/ ], K$ T7 n. e8 c  s# ^/ ]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

7 ?' R0 l# s& O$ H! t/ c7 `  \ Variable-rate mortgages are inching closer and closer to prime.

- n$ A+ G4 y5 B+ w7 u! {" a7 N  cThis 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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& ^' V+ m0 G+ @/ |, Pthank 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%

: G% q9 q4 t6 P  Z' f' o1 w. b5年浮动P+0.20%
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3 year  fix  3.39%
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5 U5 h# m" r1 _7 {# H1 G7 v0 ~3 x$ R4 year  fix  3.85%
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2 e. h& ~  f2 W# F+ F5 year  fix  3.99%
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