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%
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5年浮动P+0.30%
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3 year  fix  3.39%

4 year  fix  3.85%
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1 c  m) b& I7 N2 T: 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！
* ]$ k1 i& K* @7 _% e1 zlunik 发表于 2009-8-14 19:20

2 I) W6 }3 R% s" N2 R2 r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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' X0 b1 v( j5 V) D1 n* a1 i  ?2 }6 F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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5 c4 d$ s- c! g, ~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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% ?+ @. f/ Y+ f. s6 dVariables Get More Competitive
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Variable-rate mortgages are inching closer and closer to prime.

$ K0 ?; c) R2 k: ?This week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

3 B" z4 J) F% @' IMerix 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).

: G: l6 T* B; w/ p9 AWhat’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

- E, D$ v  Y8 z3 `" |# g Variable-rate mortgages are inching closer and closer to prime.

& I: O6 |& @6 {% i4 m$ G0 F2 }0 aThis 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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( Q! u: D; K* O+ sthank 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：
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* U  W, G5 F3 P! P3年浮动 P+0.10%

; U) C/ q# ]6 G( \. ?& m5年浮动P+0.20%


3 year  fix  3.39%
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) t8 p4 }3 ^: O0 a$ `/ l! t4 year  fix  3.85%
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% G# H6 T+ ~& q5 year  fix  3.99%

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