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：
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3年浮动 P+0.15%

5年浮动P+0.30%

' r6 e% v' @) b% S& k: [
1 R" J$ t: x8 b8 U9 T0 d3 year  fix  3.39%
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% x1 o( c# E6 @7 w3 N4 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！
lunik 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。

- {' J# o! {9 `; m4 }2 q3 |" p9 s! Y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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! U2 ~' Z3 S& p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!
meijuli66 发表于 2009-8-15 23:33

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Variables Get More Competitive
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* ~3 R8 J+ t3 c% L; l, B 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.

3 Q2 Q: }0 g0 @. b1 e6 c- nMerix 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.
; u& |2 c) m. Q8 a6 ~5 A1 P- qYou 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

; Y- V* R" F+ E$ o$ t- ?/ n- j Variable-rate mortgages are inching closer and closer to prime.

% l" [; b  u$ |' H( c. n  J- YThis 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

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：

! i" M" R4 X" \8 x' y3年浮动 P+0.10%
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5年浮动P+0.20%
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/ n% w( A3 G  t3 year  fix  3.39%

8 `9 s: D0 g' p5 v2 @* x4 L* m( q, \4 year  fix  3.85%
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. p9 e3 h- c, }" w% \& B( k5 year  fix  3.99%
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