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：

( w5 s* g& O7 D3年浮动 P+0.15%
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( H& M3 T( C, B, D; l: a# p5年浮动P+0.30%


3 year  fix  3.39%

4 year  fix  3.85%

# w: C7 y8 j) O) c6 U/ W+ S5 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

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。

; a; ~% r0 ?- ]& P# p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!
  L1 n/ R8 b1 o( c9 g6 Pmeijuli66 发表于 2009-8-15 23:33

0 C* V, f; a" |Variables Get More Competitive

" D+ C4 o" D; k8 O* G/ ~7 P* _" | Variable-rate mortgages are inching closer and closer to prime.
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: J1 V2 t( Z; V. O. |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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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?”  
8 Y. w  G/ H4 ?+ i& c$ X) pThe 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

) x( Z: G9 t: X& S% X; F$ E Variable-rate mortgages are inching closer and closer to prime.

; Z- R' @$ K4 C  B' N$ F, r! l0 mThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
) Q: Q6 }% l2 T' }3 I年轻的心 发表于 2009-8-16 14:13

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# }' b; j$ d$ r7 ^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：

3年浮动 P+0.10%

5年浮动P+0.20%


3 year  fix  3.39%

8 ~; H# _# S$ Q) D# Y4 year  fix  3.85%
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7 G1 R* N$ j; M8 u( j5 year  fix  3.99%
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