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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$ X1 y5 q' W0 Y$ @4 L% @利率新动向：

3年浮动 P+0.15%

1 X6 l6 |+ l6 m$ d5年浮动P+0.30%
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/ [7 u2 d4 x$ ~" F. S5 s) E7 ], O3 year  fix  3.39%
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4 year  fix  3.85%
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5 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

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。

" l3 T$ W6 l5 y/ m2 Q6 j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%

: U5 {! z$ o, H8 f2 V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!
2 L1 U  Z/ o, ymeijuli66 发表于 2009-8-15 23:33

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Variables Get More Competitive

2 M5 m# ~% T( T! c& z- \$ h Variable-rate mortgages are inching closer and closer to prime.
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' j4 z0 Z3 E, _4 g; t! J+ JThis 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.
$ m* _0 L. {& m4 g# W: EYou 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).

9 W3 p- p7 E5 s2 |, [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.
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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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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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7 w# G3 }; L2 t9 [3年浮动 P+0.10%
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5年浮动P+0.20%
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7 a+ x) q5 N7 Y5 d- ]3 u3 year  fix  3.39%

9 \0 N% e4 e9 j* q3 w: ]! W0 |4 year  fix  3.85%

2 H- t7 `& F( A" B& s" t5 year  fix  3.99%
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