利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

8 p; J+ m1 l/ J( m* z# y( D利率新动向：

( X/ ^, y# c2 U' r3年浮动 P+0.15%
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5年浮动P+0.30%

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3 year  fix  3.39%
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( w' _3 `; V( T- k% w4 year  fix  3.85%

0 z  [7 G6 p7 }! Z2 w5 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！
" v- w+ Y( c# N, ylunik 发表于 2009-8-14 19:20

( g6 i' t3 e5 f( T  `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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: n8 b) X  s# }( 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%
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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!
' I2 c% A4 p$ ~; `' Z: ameijuli66 发表于 2009-8-15 23:33

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Variables Get More Competitive

Variable-rate mortgages are inching closer and closer to prime.

This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

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.
7 S! w, O9 A- j2 v8 tYou might ask yourself, “Why would I want a variable term under five years?”  
  h, ^' x; v- e/ ]) xThe 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
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, ^$ `; c/ w* n# y Variable-rate mortgages are inching closer and closer to prime.

This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
- [2 x# b. f# t; O% P# i0 q1 Z& F. \1 N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：

3年浮动 P+0.10%
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5年浮动P+0.20%
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+ c9 h4 |2 w9 ~) ]3 year  fix  3.39%

  ~6 D5 n7 F6 D4 year  fix  3.85%

5 year  fix  3.99%
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