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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5 S3 \! U. i+ W5 k# w利率新动向：
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0 B( W' `* ?' Q0 K  U! W3年浮动 P+0.15%

5年浮动P+0.30%
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6 u" B2 O8 @2 m- t5 ~3 year  fix  3.39%
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4 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

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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

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* |+ L" ~2 x9 @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%

2 K% q0 {; c' u; y6 k5 k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!
6 Q$ m( N& E2 l, F% m5 \' s9 Pmeijuli66 发表于 2009-8-15 23:33

: G4 m$ E6 E" W9 R6 {Variables Get More Competitive

Variable-rate mortgages are inching closer and closer to prime.
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6 u1 c' X) o5 O9 h, X5 JThis 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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8 G: _+ x  \/ d! |6 {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?”  
( e  J( x6 f" o' ^& l. yThe 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

Variable-rate mortgages are inching closer and closer to prime.
& a- w6 a* p5 g( y( \0 W8 ?8 X3 n5 s
: X0 d8 ?% d' u. wThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
! U. ^& {2 R$ L5 J. Q/ z" ^3 y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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3 o" q: A0 z$ l& d3年浮动 P+0.10%

5年浮动P+0.20%
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1 {5 ^- _; _/ M7 S. I3 year  fix  3.39%
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/ H: _# \. a# n$ I4 year  fix  3.85%

5 year  fix  3.99%
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