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：

- O  D0 Z3 \5 x! ^9 R9 c* d6 f/ [0 h3年浮动 P+0.15%

4 O6 {5 R& {0 a) f& m5年浮动P+0.30%
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( D7 R7 p$ R- ~2 ~: l( {3 year  fix  3.39%
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$ y8 T6 {9 |' k% z9 u5 X4 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

6 B- d. H; O# r! T/ R! [/ k# i' Y

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。

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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) l2 M) K- {# P% Z6 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

" E3 _, C$ n) o# Z% f- ?8 HVariables Get More Competitive
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. B4 ~) }9 q) Z 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.

) p) Z% |) ~- 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.
3 b" U( j. ~0 x$ {% L1 CYou might ask yourself, “Why would I want a variable term under five years?”  
: m) x" d( `% |) r1 p$ ZThe 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).

- }2 p9 s$ d% O5 }( x) k- w* uWhat’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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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’ ...
+ [) Q9 x% E+ S- [7 M& O( h8 X/ a年轻的心 发表于 2009-8-16 14:13

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, i- I- T6 I. ?8 u3 k' ^+ u; Rthank 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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3年浮动 P+0.10%

5年浮动P+0.20%
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' u& \# m7 m- P4 d0 F6 A3 year  fix  3.39%

4 year  fix  3.85%

5 year  fix  3.99%
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