利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

& p9 m7 m+ ]% C) @. X% x利率新动向：

/ T# P9 V+ x1 u+ `$ L3年浮动 P+0.15%

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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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！
4 {- n* X: K5 Z2 i4 ]lunik 发表于 2009-8-14 19:20

8 Z) l: N: U  }% E; F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。

2 ^- G- c! j0 x4 W% ?+ R: Z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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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!
5 N" ~- m3 N' tmeijuli66 发表于 2009-8-15 23:33

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Variables Get More Competitive
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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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9 I% s/ B9 R) e2 Y% Y: lMerix 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.
6 \+ x" w" U* U8 r  M) O' DYou 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).

- I" i, G$ ?" ]# ^  b. _1 J6 EWhat’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

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：
  O! h8 d$ P4 k% }- y+ _% l
2 M& |% d, `' K- J: M3年浮动 P+0.10%
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$ q7 d* D$ d/ H: |7 @' r5年浮动P+0.20%
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$ i8 t+ ~* C: m( @& s$ B
1 \/ z) a$ L2 q* p7 U" _4 ?3 year  fix  3.39%

4 year  fix  3.85%
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5 year  fix  3.99%

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