利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

利率新动向：

3年浮动 P+0.15%
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9 F3 Y1 w, q3 [  r  x5年浮动P+0.30%
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! ~7 p8 v, Q1 E8 S3 year  fix  3.39%
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, I( E- j9 f5 S" X+ z1 `: a4 year  fix  3.85%

: u& k( Q- M% d% a9 R* \: d! W5 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！
5 M* l7 }: @5 [+ Plunik 发表于 2009-8-14 19:20

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2 u2 Q8 [0 ^& c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。

) ?! ?7 a) b' A9 J% g7 K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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' i$ j6 k) s$ x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

* m0 d6 G. N- e' v* s! g: g( tVariables Get More Competitive
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- ~( f; {2 Q4 m: s% w0 N  P. ~4 { Variable-rate mortgages are inching closer and closer to prime.

+ f; c% u8 d( U# [. aThis week we saw a few lenders drop down to prime + 0.15%.  Nationwide variable rates haven’t been this low since last fall.

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.
3 z& m. Z# ?) A. [: u1 WYou might ask yourself, “Why would I want a variable term under five years?”  
$ N, E( T& z9 rThe 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).

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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2 C1 m8 ?4 Z) s" H% W& X' j/ S0 |8 Ithank 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：

  V' \7 F0 N/ c% O3 B: V# c* C! j3年浮动 P+0.10%
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' B9 N, q( O  G0 i2 _( w5年浮动P+0.20%
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) \. V1 V( {6 _0 A7 t8 X+ a! O
+ M2 d" H* m1 h' [: ^! b+ \% |3 year  fix  3.39%

4 year  fix  3.85%

( b1 ^3 M, K( @9 q" V6 _/ v5 year  fix  3.99%
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