利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

" ]! E, h! j5 Y' O7 |利率新动向：
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3年浮动 P+0.15%

$ d8 f$ V5 S5 M8 y, T" ]5年浮动P+0.30%
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: t  a$ p6 b& Z- {5 ^5 O& i. F3 year  fix  3.39%

4 year  fix  3.85%

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

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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！
8 M2 A7 N5 H  h" @( q& y" xlunik 发表于 2009-8-14 19:20

- V: R! v$ C6 e/ X- Y8 N  b# i" 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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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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Variables Get More Competitive
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7 t) q% P1 |& X* G6 f1 S 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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; G* }4 A3 c& [5 S, k8 a, o8 y0 vMerix 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).

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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' i/ n; f, h, q1 T2 r% J Variable-rate mortgages are inching closer and closer to prime.

1 Q; m8 k! z7 @" f0 fThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
+ }, x. R  b1 R* p% e! F年轻的心 发表于 2009-8-16 14:13

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7 z6 s2 i$ o! Uthank 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：

4 _  D, C8 B# y7 Y4 }3年浮动 P+0.10%
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; N# \, j8 u1 ^. ~3 R5年浮动P+0.20%


. ^# P8 |" o. g; F# A+ C8 W3 year  fix  3.39%
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+ Q( L* @3 V, x8 K: H9 I4 p4 year  fix  3.85%
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$ i0 x$ D: D( ^# {( n5 year  fix  3.99%
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