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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& |0 S  D/ Z# c1 B0 O! C$ R利率新动向：

3年浮动 P+0.15%
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5年浮动P+0.30%
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3 year  fix  3.39%
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1 o6 u/ d/ ^* f% V1 L' i4 year  fix  3.85%
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$ {: |6 G; j! X: [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

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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！
: J. I+ f7 }9 o7 {lunik 发表于 2009-8-14 19:20

- y' y0 X0 ^  V: |, J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%

* c$ N8 k; b  R% X1 y9 k# m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

Variables Get More Competitive
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* Y6 M3 K& N! V3 r- A6 ? Variable-rate mortgages are inching closer and closer to prime.
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This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

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.
1 Z4 b+ U% i" v7 O/ [8 UYou might ask yourself, “Why would I want a variable term under five years?”  
5 f9 M) q7 R; ^5 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).

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.
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This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
3 T5 n9 _* _+ E年轻的心 发表于 2009-8-16 14:13

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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：
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$ _# }1 `9 I  c3年浮动 P+0.10%

; `# E0 {$ C* C/ Z' x/ w5年浮动P+0.20%
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3 year  fix  3.39%
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" |6 X' ?, G2 x6 a' B* ?  _' a4 year  fix  3.85%

3 c5 q3 q5 b# \# ]$ b, H5 c7 y1 ^5 year  fix  3.99%
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