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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利率新动向：

: f% w; I: j' L1 l0 b. k- j3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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4 year  fix  3.85%
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0 |  i$ L) g' D7 w" U! B) _" m5 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！
2 u, [! b" I- M6 p. x7 wlunik 发表于 2009-8-14 19:20

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* [: r7 o/ g# E, e- l, [) O1 e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。
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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!
  y1 e- b/ W. v0 X2 V1 Omeijuli66 发表于 2009-8-15 23:33

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% l# s2 `$ K; z5 sVariables Get More Competitive

/ i' v. L! J" \) D2 r  t Variable-rate mortgages are inching closer and closer to prime.
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- z  W$ O8 }4 dThis 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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5 ?* \4 X3 P' _: n3 T2 u. e; aMerix 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.
, n3 e. r. ~0 N/ Q; z3 ^8 SYou might ask yourself, “Why would I want a variable term under five years?”  
) c& L: F7 w2 ?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).

9 Q! s. q; ~5 P& w; M* FWhat’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

/ C- d) ]" r( C1 `# M2 @ Variable-rate mortgages are inching closer and closer to prime.
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9 V( Q" y( s# j; i; O! @This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
4 A" A+ z; ^+ Y& M# g; f3 J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：

3年浮动 P+0.10%
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5年浮动P+0.20%
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; Z# K) d# E7 S' C' L* ]3 year  fix  3.39%
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; F, \- B; ^) c7 m( P4 year  fix  3.85%

5 year  fix  3.99%

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