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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3年浮动 P+0.15%
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3 F# O0 t& ~  y! e- M5年浮动P+0.30%
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3 year  fix  3.39%

; o9 j$ r( O8 o5 J3 q4 year  fix  3.85%

+ E0 M5 g4 X' w6 Y! n& t3 A5 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！
3 C! O9 [& n' v1 F+ Z7 Llunik 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。

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%

4 W' B. m/ ~* V9 ?0 H( S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

+ @, {7 y" ]8 m( hVariables Get More Competitive

; p4 ^2 |/ T# V2 S Variable-rate mortgages are inching closer and closer to prime.
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+ Q$ U3 w$ L5 D$ aThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

* a$ w. S& O- o/ o; d7 p2 O& GMerix 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.
+ v: q3 C6 ~7 k+ TYou might ask yourself, “Why would I want a variable term under five years?”  
. R9 T4 O* N' W( M" [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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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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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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3 d0 @7 i8 c# n; f9 W  e  @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：
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0 |; F/ K. Q  W$ W  ^3年浮动 P+0.10%

5年浮动P+0.20%


9 P/ Y7 M2 Z* v3 n. O3 @* `3 year  fix  3.39%

4 year  fix  3.85%

: S) E$ v. Q  P! l4 W5 year  fix  3.99%

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