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：

% ]: E  ?0 o6 i9 i; F- G* b2 h" {3年浮动 P+0.15%
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% X* j% @$ J( ~  n) X- X# v5年浮动P+0.30%


3 year  fix  3.39%

9 U3 o( z6 V& Y- a+ u! X5 j4 year  fix  3.85%

  k& p7 X# O# {/ k- L! o5 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

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我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
0 @! Y) ^' s8 X+ o& Alunik 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。

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%

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!
0 X$ v: S/ L, w* omeijuli66 发表于 2009-8-15 23:33

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Variables Get More Competitive
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# R. M( P6 Q3 v: B Variable-rate mortgages are inching closer and closer to prime.

2 U2 V! k% G* d" f% [- n/ @, r- \6 @3 \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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6 g0 t. l+ N( z- _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?”  
+ ?$ [; I" j: G8 Z5 g8 k. RThe 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).

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% I; v& |, n/ B3 _6 m Variable-rate mortgages are inching closer and closer to prime.
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0 Z: L) t- s$ x+ D2 DThis 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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3 |" S; g8 u, ]# h- L& A' J( ^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%

5年浮动P+0.20%
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3 year  fix  3.39%

- n/ a" m0 n' y+ H4 year  fix  3.85%
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5 year  fix  3.99%
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