利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

利率新动向：
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9 @+ F0 D" |$ ~6 Y0 f4 D, [3年浮动 P+0.15%

. }5 N  Q; L7 z, \% t9 m: L/ ?" r, Z5年浮动P+0.30%


3 year  fix  3.39%
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2 H1 m; ?8 W  _7 G- g4 year  fix  3.85%

" R( o5 U" ?( x* z5 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！
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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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%

3 r, q/ D- X7 |6 B" G5 C% 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

# v3 d' k! ^8 t" I, o; n7 J- }Variables Get More Competitive
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Variable-rate mortgages are inching closer and closer to prime.

( {& ]# D' I! {) gThis 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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1 S% a- A2 q- [; z8 H# S; ^2 yMerix 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.
6 J+ S8 Q  ], A8 V( 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).

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

! K2 w+ G* D, V) ~2 g 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’ ...
年轻的心 发表于 2009-8-16 14:13

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6 g) v7 {  l, E% V$ P& k% uthank 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：
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2 p! f$ R8 g1 [/ Q4 F5 b" W3年浮动 P+0.10%
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5年浮动P+0.20%
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/ S6 N8 Y6 B: @3 year  fix  3.39%

4 year  fix  3.85%
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' }  `$ w, Y' P* z* R8 d7 Q2 ^$ P5 year  fix  3.99%

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