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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, P( W5 R* l- v0 w* U利率新动向：

* s* z- d# I8 v4 G  ^; t( Q3年浮动 P+0.15%

5年浮动P+0.30%


3 year  fix  3.39%
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8 J( ?4 n9 G: y- z; e2 x% V4 year  fix  3.85%
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  A) ]. C" x+ [. R6 g) u5 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！
2 \$ @; y6 u3 Z8 `4 u/ plunik 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。
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+ s+ c9 `! [5 j8 u6 Y& a$ Z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

$ S2 k- s. v# k, X# rVariables Get More Competitive
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Variable-rate mortgages are inching closer and closer to prime.
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/ D8 r9 U  n7 ?$ y7 E' X  o' \! ?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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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.
6 Q3 t* d1 [$ z5 Z/ V& c4 OYou might ask yourself, “Why would I want a variable term under five years?”  
7 U, j$ c, ?% S! h1 W: j/ @  YThe 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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/ x2 J- N7 Y' y( M$ u# o, E" r2 I) 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’ ...
年轻的心 发表于 2009-8-16 14:13

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" _. A* N1 X' ~- gthank 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：

3年浮动 P+0.10%

, A8 D% h5 e6 ~2 `% G5年浮动P+0.20%
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5 C9 ?: U% Y4 P9 H6 p2 z3 T" B3 year  fix  3.39%

4 year  fix  3.85%
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/ J+ ~1 y; d1 n- q6 B5 year  fix  3.99%
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