利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

; N" I4 f0 g' ?8 [利率新动向：
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6 G5 ^5 P, j( O4 F0 a3年浮动 P+0.15%

5年浮动P+0.30%
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3 year  fix  3.39%

4 year  fix  3.85%
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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！
2 X. g" \; y; m  c" S# zlunik 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。

3 d$ m& \5 _; m) }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%

9 y6 H  P4 m) s2 \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!
) A. }9 ]* z& emeijuli66 发表于 2009-8-15 23:33

! `% l! A4 F9 N6 g+ c" L6 }Variables Get More Competitive

  F* z# j7 S$ W Variable-rate mortgages are inching closer and closer to prime.

: P1 Q/ w2 S5 B5 G# u- OThis 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.
You 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).
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- P7 k4 H& @- g  dWhat’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
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Variable-rate mortgages are inching closer and closer to prime.
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, d  j. E4 c2 c9 [5 s+ X& x+ ?This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
1 U! w+ e+ o& \  u! k+ i, C$ e年轻的心 发表于 2009-8-16 14:13

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: Q" E, `" i, J4 H: b- wthank 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%
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4 d8 }& ]0 a+ ]% C6 j  @5 k2 O0 I. j0 N5年浮动P+0.20%
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3 year  fix  3.39%
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4 year  fix  3.85%

5 year  fix  3.99%


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