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：
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' {; x6 \! V2 Y  ], g3年浮动 P+0.15%

* e" g, _$ i% n# V5年浮动P+0.30%
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6 C; e6 G# z1 u" b3 year  fix  3.39%
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/ b, Z) n8 W( U2 l  y9 F: G/ [4 year  fix  3.85%
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3 P5 M4 n' T; U6 r7 H5 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！
lunik 发表于 2009-8-14 19:20

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' `1 D' S; m* A0 \: _" H* V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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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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Variables Get More Competitive
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6 g: D+ i, i+ g8 G: Q/ u 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’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.
1 b5 X- P. A& y1 l8 FYou might ask yourself, “Why would I want a variable term under five years?”  
1 n" @- X( K/ G# _4 c+ L4 {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).

0 [1 c. l4 ?( {9 [! ^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.

+ r* |) _' ]% A) [6 tThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’ ...
' L# K" m" K" F- _2 T& ~年轻的心 发表于 2009-8-16 14:13

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; }& [* g7 ]% b" i8 t# u" n9 i* ythank 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：

& X' a/ _2 e+ t  ?) {  O3年浮动 P+0.10%

5年浮动P+0.20%
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3 year  fix  3.39%

9 z: q1 d" m4 s4 year  fix  3.85%

5 year  fix  3.99%
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