利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

1 b; j' |: N$ S* n2 l利率新动向：
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3年浮动 P+0.15%
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5年浮动P+0.30%
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3 year  fix  3.39%

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

/ z* E  o( ]3 h* ]' I' x/ o8 h- F2 k

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
: N( r3 S* V; @9 X9 C9 f# f, Ylunik 发表于 2009-8-14 19:20

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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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8 ?5 ~  K0 `* T' }0 _  w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 }4 L! d* g( xmeijuli66 发表于 2009-8-15 23:33

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+ d  |- M8 `. G" L+ GVariables Get More Competitive
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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’t been this low since last fall.

) ?$ K- }" t) \% R& A% D8 N9 vMerix 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.
5 b/ E4 |' Q7 w# [8 [" y5 @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).
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2 |3 K/ `2 M1 U: @0 O1 ~# s% Z& ]2 d0 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.
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This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
% d! r1 {1 g6 Q( m. \$ @年轻的心 发表于 2009-8-16 14:13

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/ k5 t+ z4 D7 a$ w7 f8 c2 n% wthank 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：

3年浮动 P+0.10%
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" s. k5 Z, q8 X: M6 F( i, E  S4 P5年浮动P+0.20%
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0 g9 y1 J8 f( k1 P! M7 w3 year  fix  3.39%

+ Z+ Y0 p( K3 N, W; u! F; X! y6 _5 e4 year  fix  3.85%

5 h) ]/ Y( u9 \$ \* Q, |5 year  fix  3.99%

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