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：

3年浮动 P+0.15%

5年浮动P+0.30%

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: o$ E. s2 o- b6 s5 p" H3 year  fix  3.39%
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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

8 \" _2 U0 D: C' G! `- U1 d

我想知道五年浮动利率加0.3%有什么要求没有？谢谢！
% w. M# \7 J2 [# F! wlunik 发表于 2009-8-14 19:20

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。

+ M0 I3 [/ x* m# p9 T  v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%

# p4 s3 U) d5 K) I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!
. R8 h. q5 s( L$ wmeijuli66 发表于 2009-8-15 23:33

6 G! T5 r- z, t3 H) OVariables Get More Competitive
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- D# g8 u- P4 U5 I0 L/ n( J% s2 B Variable-rate mortgages are inching closer and closer to prime.

, \1 }2 p% S: E" T" o& N! VThis 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?”  
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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Variable-rate mortgages are inching closer and closer to prime.

- S2 q+ \6 U* oThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
2 A7 b* `3 }0 Z9 o年轻的心 发表于 2009-8-16 14:13

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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：

& w0 n6 P3 U+ T/ U3年浮动 P+0.10%
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5年浮动P+0.20%

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3 year  fix  3.39%
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9 c# N/ a) W/ r' o7 f" ?+ L7 [2 f4 year  fix  3.85%

, r/ r2 Q" P5 L& u% S1 i5 year  fix  3.99%



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