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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: |# D( r0 \  Q1 Q. k利率新动向：

7 w! u4 ~  l1 P  O3年浮动 P+0.15%

5年浮动P+0.30%
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3 year  fix  3.39%

4 year  fix  3.85%

9 Z$ |! r! [9 k/ l5 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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/ K5 }* k# V7 a+ U( ~4 ^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%

( j% c; D5 ?8 p& ]& y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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: o! G# v8 m  i: x' K' q+ z Variable-rate mortgages are inching closer and closer to prime.
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8 L7 m: m8 r& MThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

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.
" y- o' W: R! }You might ask yourself, “Why would I want a variable term under five years?”  
) V5 }0 X: B, V- q! v/ _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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8 P+ W( N- I3 y2 @1 jWhat’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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1 Y/ k6 A% |  r' F' x Variable-rate mortgages are inching closer and closer to prime.

2 u2 R: G' y* I: k: f1 J. d* O: j" ~This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
6 z" F% f) u3 y$ B9 u年轻的心 发表于 2009-8-16 14:13

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# K4 h# v. l8 xthank 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%
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# ^, C  b/ X/ i/ H4 x9 j5年浮动P+0.20%
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: l* r% }# u. Q$ q0 J, y3 year  fix  3.39%
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) C) }$ l+ c: L4 year  fix  3.85%
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5 year  fix  3.99%
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