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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  B. h- K7 t3 B, T3年浮动 P+0.15%
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5年浮动P+0.30%
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# @/ s5 Z& ?& r. w+ _3 year  fix  3.39%
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4 year  fix  3.85%

$ H8 t% u& {/ v8 z  e  u% l5 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！
5 s/ t5 _4 Q0 W9 Q$ D4 ~lunik 发表于 2009-8-14 19:20

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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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3 H, _+ R  {& y$ `+ r* m. g6 X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!
- g0 L9 E' I, c+ F4 j) k6 Pmeijuli66 发表于 2009-8-15 23:33

; g) M3 R0 ?) Q: Q! ?9 |0 F" qVariables Get More Competitive
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% G0 Q+ C. \7 u! |; q' C, L! ?  l Variable-rate mortgages are inching closer and closer to prime.

/ S2 D/ j# i7 K$ f' gThis 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?”  
9 V! m; S$ w( eThe 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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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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: q' z; z( s  A' U( A) Q8 u 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

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：
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1 s) K, ~3 f' V( S5 B. t1 [3年浮动 P+0.10%

& K" e" }  Z& f' O5年浮动P+0.20%
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. n0 F9 Z, q0 t4 a- z3 year  fix  3.39%

4 year  fix  3.85%
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3 m4 E0 z, c  g$ y) a5 year  fix  3.99%
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