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：
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+ a# }) x0 x% K* y( n  [$ M  v3年浮动 P+0.15%
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4 r% o  Z- R* ~7 P+ Z# }2 `) g5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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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

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

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。

6 k% n' y8 B2 u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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5 T2 P6 y9 [3 N* E# b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!
- k- W2 {" i9 y9 ?* umeijuli66 发表于 2009-8-15 23:33

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Variables Get More Competitive
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; }9 Z0 a- Y4 ], a6 ], c1 }  p! v 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.
: H1 Q5 N/ h8 |& xYou might ask yourself, “Why would I want a variable term under five years?”  
% ]* b9 u/ s2 C3 ?/ pThe 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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" I4 Z. s3 h6 p5 n' p: {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

. U  {; u* x7 h0 ~( Q0 c' W 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’ ...
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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/ }. [7 @' J) W1 \4 O0 t5年浮动P+0.20%


3 year  fix  3.39%

" J- d' C7 G7 g4 r3 ?& c1 j# ?4 year  fix  3.85%
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, q# F( A( Q: }$ o) `2 v5 year  fix  3.99%

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