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：

$ E& b( |1 ~3 p3年浮动 P+0.15%
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5年浮动P+0.30%


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

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
- }2 U4 s" \1 z" v  E% S: a4 `; |) Elunik 发表于 2009-8-14 19:20

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! x, M  {4 p5 K9 b* G9 b. D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!
5 X* n7 F- A( l9 Pmeijuli66 发表于 2009-8-15 23:33

Variables Get More Competitive

5 n9 [9 }) B7 h7 y" g Variable-rate mortgages are inching closer and closer to prime.
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* p! p9 |8 }- a2 y2 C1 _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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) E: ]7 B3 R6 q" MMerix 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.
/ A' Y& ?9 `7 K3 Q! N1 b4 Y% ?0 f3 O0 mYou 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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' N4 \  @6 w1 w. V- `4 S# D. `2 {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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Variable-rate mortgages are inching closer and closer to prime.

$ ^8 L1 C& Q+ K( Y1 SThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
% y; N: |" H! U1 K) M$ A1 p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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/ f2 }: ^9 i7 e7 y3年浮动 P+0.10%
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5年浮动P+0.20%
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6 B. W& Y4 Z9 ~5 T& t4 H3 year  fix  3.39%

4 year  fix  3.85%
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& q. ?- C$ {6 N7 N# l5 C" L5 year  fix  3.99%

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