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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2 L4 |1 o- v( a7 g! b- s8 s利率新动向：

3年浮动 P+0.15%
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5年浮动P+0.30%
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3 q" ]9 Z0 l. j& }3 year  fix  3.39%
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. V; @' C0 q* C. M" x5 S! U# I4 year  fix  3.85%

8 S$ Q3 A! r. H/ x$ ]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。
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. ~) _- Q' a+ {# N$ b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%

. ?/ y; Q9 q5 R" y# b$ h! }! @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!
$ \! B: d1 ^8 N- V: `: ?meijuli66 发表于 2009-8-15 23:33

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Variables Get More Competitive

( J" j( _+ Y" U8 Z! J( S Variable-rate mortgages are inching closer and closer to prime.

4 r0 q0 [' q3 K  c8 KThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

4 J" a: i* j1 c9 Y( i; D8 p6 iMerix 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.
" l" R- X/ v! _; Y6 N# d* TYou might ask yourself, “Why would I want a variable term under five years?”  
: c2 h3 E/ Y8 X% D0 q. ?$ M' o; CThe 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).

# `5 k! M. X5 w9 S3 H6 dWhat’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.

% }3 [- v6 ^; X: ?" {This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
8 v; z, F* T  o- u- C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：

2 `8 b# T; t  `0 F7 C% n6 R6 Y3年浮动 P+0.10%
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5年浮动P+0.20%


2 O' p2 o# u( C" T3 year  fix  3.39%

5 b/ s% z5 I* r. [* ~, _4 year  fix  3.85%

* b& V' }3 p- |" f3 Q5 year  fix  3.99%
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