利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

利率新动向：

3年浮动 P+0.15%
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5年浮动P+0.30%


3 year  fix  3.39%
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  ]6 s3 ^% L: h  n% m4 year  fix  3.85%

+ d; i6 j  X6 C. N( I5 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

8 D# ^0 G. H+ D3 Q) E) D

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
% B) R# M# D3 B- i: ?lunik 发表于 2009-8-14 19:20

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! e( T7 }% [) J2 K7 t2 D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%
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) V6 L4 `3 _; ^% C& n8 H( D% t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

" O1 D+ p9 L7 ]Variables Get More Competitive

* O6 L# r; [8 d# b2 C. ~4 J 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.

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).

4 q6 ?" C, A0 s+ [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
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/ @6 g# U- E7 F: d* |( z3 X Variable-rate mortgages are inching closer and closer to prime.

This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
+ p: A" g6 F2 Z8 e( e7 v( a年轻的心 发表于 2009-8-16 14:13

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- G; a3 X  T( F$ w: v. x) jthank 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：

* Y: g$ d( d7 n5 l0 N! T* u3年浮动 P+0.10%

5年浮动P+0.20%


+ k- H+ e/ Y; ?3 year  fix  3.39%
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4 year  fix  3.85%

  L, \' T/ G3 ^* R. V# c4 U' z) T5 year  fix  3.99%
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