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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, c: w  }. C/ U7 c7 R% l$ r利率新动向：
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* D" R! E& G" i6 B3年浮动 P+0.15%

! P5 t7 X0 ^6 \4 y8 V8 a3 m0 ]5年浮动P+0.30%
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3 year  fix  3.39%

, `2 S! G" [% b% z: {) i+ Z4 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

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

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%
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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!
meijuli66 发表于 2009-8-15 23:33

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Variables Get More Competitive
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Variable-rate mortgages are inching closer and closer to prime.

, l& o# j, e0 r! W5 h. i/ FThis 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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/ {  D, j0 b1 {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?”  
3 l; T( s, M4 [6 r& b5 lThe 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

Variable-rate mortgages are inching closer and closer to prime.
, Z* Y# ~9 u& E& F4 [8 w1 r: E
/ K( b7 C  a2 QThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
8 \+ a1 Z# K) b" Q年轻的心 发表于 2009-8-16 14:13

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! ^4 x0 b7 s% u. |6 t5 a  athank 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%
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4 I' N+ U8 S9 @( A% P0 R' Y4 year  fix  3.85%

, w1 w9 `3 n! C/ l0 g! z) y5 year  fix  3.99%
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