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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+ W: w3 G; O& J利率新动向：
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3年浮动 P+0.15%

5年浮动P+0.30%
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3 year  fix  3.39%
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4 year  fix  3.85%

/ W9 k; h+ V! V9 _& `3 _/ E5 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！
' h3 d2 l6 o9 u" E  i, |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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3 r& Z6 n5 J, W1 a& r) aVariables Get More Competitive
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Variable-rate mortgages are inching closer and closer to prime.

6 {2 B7 s0 A& x$ R* G  l; VThis 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?”  
3 v; M5 u; \) m) TThe 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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. u/ |3 t" q5 u) |) J( q3 XWhat’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

) g) U6 m  m3 s' n Variable-rate mortgages are inching closer and closer to prime.

+ N9 D! A# t1 [1 f! J% QThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
% |0 z, c0 }3 K年轻的心 发表于 2009-8-16 14:13

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：

; c4 @! z: \( @9 U/ i2 @) y3年浮动 P+0.10%
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4 [7 V' c9 \6 I/ `4 n- ^5年浮动P+0.20%


3 year  fix  3.39%
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' S, b2 I/ R+ Q* l6 q( i4 year  fix  3.85%
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. B0 E- j$ ~& z+ I8 L  L! ?5 year  fix  3.99%
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