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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1 T6 l# s9 x  ~" o# n1 z利率新动向：
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3年浮动 P+0.15%
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5年浮动P+0.30%
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4 u" l+ ?9 _  |+ J8 u3 @. m: R3 year  fix  3.39%
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4 year  fix  3.85%

$ Y$ d% g* C# e! Y5 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！
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。

9 U# j' z& O% t* v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!
8 J% [4 n6 ^% k. u* e' P. e, G+ ameijuli66 发表于 2009-8-15 23:33

- `* z' f/ s% R9 @! L  ZVariables 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’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 e. w  }( ^# n6 n1 B8 xYou might ask yourself, “Why would I want a variable term under five years?”  
3 C* r( \2 {7 F% O7 aThe 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).

; }$ ]! L- x2 W3 KWhat’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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7 z# }/ F/ F( E" l' b Variable-rate mortgages are inching closer and closer to prime.

; \/ G8 d" q' {' bThis 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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+ B# l0 U( O, d! u0 O. Hthank 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：

2 f2 U# c* S2 v, M; N3年浮动 P+0.10%
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, [+ Z* m1 M1 V9 Y9 `5年浮动P+0.20%
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! b: P& _; N0 w2 A) W! p0 g3 year  fix  3.39%

4 year  fix  3.85%

; q% p0 l2 a7 p5 year  fix  3.99%

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