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：
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3年浮动 P+0.15%

' m2 g  N! }, f% h5年浮动P+0.30%
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/ F% }/ i0 E' n# y2 A3 year  fix  3.39%
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4 year  fix  3.85%
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0 R- A* N/ H2 L" S' M! g5 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！
' D9 r* I- i, C/ @/ |6 u; ulunik 发表于 2009-8-14 19:20

% {3 ?2 P1 |! |: I1 p" L  t+ o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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/ ?- T7 j. W- x( s5 X5 Z" P. F0 t- ^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%

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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+ M. t9 t8 }7 m! [4 ~! gVariables Get More Competitive

4 B& w" n& j& ?/ K Variable-rate mortgages are inching closer and closer to prime.

+ `4 x7 |. R, U9 F) k6 LThis 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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$ @# m# r4 n4 W8 Q$ v4 Z6 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.
7 e& y8 B5 G7 L% C4 _. o% U/ nYou might ask yourself, “Why would I want a variable term under five years?”  
# h3 k) f( B" CThe 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

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’ ...
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：

" o2 b9 S9 N  s5 p, i" [! x3 \3年浮动 P+0.10%
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& r0 r7 v+ T, C: x+ {' N0 O, B5年浮动P+0.20%
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5 y. D" r8 m$ F3 year  fix  3.39%

4 year  fix  3.85%

5 year  fix  3.99%
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