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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& }- t/ n) u) y1 k3年浮动 P+0.15%

5年浮动P+0.30%

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3 year  fix  3.39%
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/ y, a7 o" c4 E: r# D* F4 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！
: `) V5 E: k- Y7 ]) u' k2 P: ]% t4 L; zlunik 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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' h& f) S) F" ?) Y. T1 g/ z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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/ {5 r5 y5 p& v9 h  p; o# E: Y+ f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

0 Z9 U- n; _9 T* B# ~6 h( E Variable-rate mortgages are inching closer and closer to prime.

) _8 Y+ p# q  n8 S+ x+ RThis 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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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?”  
% J: O+ e0 t( k, s& N: H; KThe 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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' }! s; Z6 g/ @! G- N3 L: ] Variable-rate mortgages are inching closer and closer to prime.
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1 c, k: G, q6 J3 bThis 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

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. X9 P/ e( b1 F, kthank 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：

. H% Q" Y& T3 i- W/ ]9 B7 H3年浮动 P+0.10%
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- ^0 t' z3 e2 b( B6 m5年浮动P+0.20%

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2 M8 C6 }0 J) `! [! s( A2 D4 O3 year  fix  3.39%
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4 year  fix  3.85%

# T; G( b. b$ ^1 O5 year  fix  3.99%
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