利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

3 E  y+ l% Z- ^利率新动向：

/ m  K  D/ j5 i0 M7 a4 S% K3年浮动 P+0.15%
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5年浮动P+0.30%
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, N1 r* f/ @  i3 year  fix  3.39%

4 year  fix  3.85%

8 W4 W% d& V8 f# U' J4 c5 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！
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。

3 J& A* j$ b, c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 ^$ N$ w* R! e" @9 s# W. U: w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

) h* N. \. W4 I# OVariables Get More Competitive
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Variable-rate mortgages are inching closer and closer to prime.

. I2 T$ ~' n7 {- ZThis 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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" J9 I+ b8 G: ^7 ^) o4 |/ a4 UMerix 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.
) F5 H4 g! O5 r* w; Q; b& rYou 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).
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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

5 R) a; R: V7 s! j2 Y% h 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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% U/ M; p( ~' f( [9 {3 C, Qthank 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：

0 n: C' p: R2 d3 |3年浮动 P+0.10%
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5年浮动P+0.20%


3 year  fix  3.39%

4 year  fix  3.85%
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5 year  fix  3.99%

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