利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

% S! R: v/ [/ B  `5 r8 d利率新动向：
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2 F& S1 |$ w7 ~( k3 h" k9 U/ N+ G4 k3年浮动 P+0.15%

" ]9 I; u& W1 K. G5年浮动P+0.30%

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( _" p* x% {4 L+ a+ o" ?+ ^3 year  fix  3.39%
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8 f0 T8 w( G1 ~) ]0 Z7 g4 year  fix  3.85%

: K# O5 c7 \* F" Q9 j4 c5 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

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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!
meijuli66 发表于 2009-8-15 23:33

5 [: x' v: T$ p. j4 }. H& s2 N% TVariables Get More Competitive
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3 u( [* A9 x  z0 ` 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.
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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.
& O$ z; {+ h& F# MYou might ask yourself, “Why would I want a variable term under five years?”  
7 p# u/ a9 B$ ]" r' r' ^- ?* X% MThe 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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1 S- S% {' R. U! sWhat’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

9 V0 U* G: U6 L) Z7 g Variable-rate mortgages are inching closer and closer to prime.
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( g1 S% C9 O/ T$ D0 _6 H2 [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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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：

4 U( e; R+ Z; X+ h9 S2 n* p. e6 X3年浮动 P+0.10%
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; i6 Y; z" [* y% i5年浮动P+0.20%
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# @- k+ D4 v; p8 e! Y3 V0 o3 year  fix  3.39%
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. I5 \$ f/ F$ K4 year  fix  3.85%

5 year  fix  3.99%

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