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：
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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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) }. L0 o! j& |1 w3 year  fix  3.39%

! R2 b' f9 R+ E- N4 u3 O4 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！
* l$ w' |/ g* }! \$ q8 xlunik 发表于 2009-8-14 19:20

, p" J6 q& z" j. x$ ]+ U1 `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。
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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%

% ?: b7 K: c) v5 X; r6 X$ w. a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!
: F) e* j  [! A& ?# dmeijuli66 发表于 2009-8-15 23:33

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* S! f- H- A2 R& c, N' ~9 f4 wVariables 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’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.
You 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).
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! T& @  n+ X1 s: o4 L" uWhat’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

  V$ Q4 B, c2 E2 a3 u 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’ ...
年轻的心 发表于 2009-8-16 14:13

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& y/ J  p6 R- y% U1 J+ ethank 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：

; {9 C/ b% |' X+ s3年浮动 P+0.10%
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5年浮动P+0.20%


  R' w: O# ?4 I0 _3 year  fix  3.39%

4 year  fix  3.85%
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6 U! G7 U5 I# D, N5 year  fix  3.99%




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