利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

+ f5 j3 R: x, e8 q0 d9 w4 d( B利率新动向：

2 W5 d: V9 f6 J3年浮动 P+0.15%
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5年浮动P+0.30%
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0 w; A5 c! Y: c( W( r3 year  fix  3.39%

! F7 L( E6 u9 ~* [. g7 l4 year  fix  3.85%

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

/ O, D2 Z3 X+ X( j2 t! n

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
8 c! U$ l2 K) b% v3 k& wlunik 发表于 2009-8-14 19:20

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6 q3 k: O  I+ o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。

/ e3 _1 R# ?! D7 n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%

6 x- S: v/ }9 t" c$ J1 n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!
4 _0 N! ]* b( Smeijuli66 发表于 2009-8-15 23:33

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0 F+ U5 m2 L$ c6 AVariables Get More Competitive
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Variable-rate mortgages are inching closer and closer to prime.
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0 b/ T) ?2 O6 ~( b* eThis 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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8 t6 ?0 H8 t1 }6 aMerix 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.
3 e7 I6 U: n. vYou might ask yourself, “Why would I want a variable term under five years?”  
6 X: T+ K! t5 l( n8 iThe 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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0 {1 F0 h: ]+ s3 `; PWhat’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.

This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
$ e, s& [7 ]9 }8 M% n7 S年轻的心 发表于 2009-8-16 14:13

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& I6 F: l8 y2 b2 y0 i3 M/ Qthank 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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3年浮动 P+0.10%

9 j8 p% b- X1 ?% F( Q7 E5年浮动P+0.20%


3 year  fix  3.39%

9 |; X8 n+ t& t4 X0 `4 year  fix  3.85%
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3 s& \1 c$ l* j& S5 y5 year  fix  3.99%



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