利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

# o8 k" `$ \% @! D9 y2 S利率新动向：

. Q6 v& l, ?- _( W$ y3年浮动 P+0.15%
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5年浮动P+0.30%

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3 year  fix  3.39%

% V; ]- q( @: x1 x/ s2 ^  Q2 s4 year  fix  3.85%
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# N0 m& o* O; w) H5 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

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7 w$ q+ a' ]: Z' h& D# @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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* k# R1 k9 A" B: O9 w4 W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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$ M: c: V4 b5 J: j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!
0 Y1 d* R$ u* A( W  Pmeijuli66 发表于 2009-8-15 23:33

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Variables Get More Competitive

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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* ^3 y1 l$ o2 ?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?”  
9 j. w) q2 a7 s  {3 q8 n# oThe 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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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

/ L- U: S8 M0 i5 y 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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5 \* z% K/ O8 Mthank 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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3年浮动 P+0.10%

5年浮动P+0.20%
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* Y3 p3 N( ^# U4 C1 X- [9 q3 year  fix  3.39%
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8 V( s2 i; T9 @1 f2 c* _, F6 D4 year  fix  3.85%
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8 U" Q' `' I% w" G+ U5 year  fix  3.99%



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