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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利率新动向：
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; c2 d4 v6 S- h0 k3年浮动 P+0.15%

* W* @: n" y: A3 K. ]- F5年浮动P+0.30%
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3 year  fix  3.39%
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' U4 M9 ~  \% d4 year  fix  3.85%
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& }- g; W$ v! e7 J7 Y5 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！
lunik 发表于 2009-8-14 19:20

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7 O2 d' U8 m" ?1 v0 C' l  ^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%

, T* ^' L# ]2 D% _! m/ B7 r  T# l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!
# Z* {5 x+ x( B( l  ameijuli66 发表于 2009-8-15 23:33

# @' f8 E2 I/ t3 O2 ^& O$ UVariables Get More Competitive
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/ G5 f( R, g1 p5 F8 S- d Variable-rate mortgages are inching closer and closer to prime.

% Z9 E0 D& b; |5 }8 y* c% ~1 fThis 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?”  
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

3 f! y' N* J# X' D Variable-rate mortgages are inching closer and closer to prime.
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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 N/ g1 \% ^5 e, Z  j1 j: Z: U" J5 `, [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：
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3年浮动 P+0.10%

- w* u' }/ L# [) h4 T: x$ t5年浮动P+0.20%
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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  3.99%

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