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：
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6 J, q3 y& ^$ b0 ~& o" a3年浮动 P+0.15%

, N, l, q7 i5 W" @2 }3 y5年浮动P+0.30%


3 year  fix  3.39%

, q5 g8 F" R7 O; O  Y; H' J4 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

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
  Y8 C/ ]) U9 _6 i" H% qlunik 发表于 2009-8-14 19:20

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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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!
2 d' O2 o5 y8 N9 `6 B0 xmeijuli66 发表于 2009-8-15 23:33

+ K% t8 f/ O9 @) WVariables Get More Competitive
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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.
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: A0 W0 M5 J9 r, G& a' `( G9 k! F4 cMerix 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.
: ^3 ~  i3 J9 s& uYou 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).
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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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3 e& h7 w* A: q+ ~5 O 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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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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4 y6 v. \0 D7 a/ Q2 g. ], I3年浮动 P+0.10%
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. C  E( A) u2 d; {2 J: s: Y1 `5年浮动P+0.20%
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5 P. J6 D. s0 t, X
* ~/ M) m( C; q+ S3 year  fix  3.39%

/ U! v7 s6 z# A: c4 year  fix  3.85%
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3 b) u# C( P" B5 a1 b/ N9 N5 year  fix  3.99%

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