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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. x$ C5 j, x! R$ `利率新动向：
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: I. [, C) |9 g) O% n# W3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%
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" T8 V: i3 ?  n) v4 year  fix  3.85%
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" R3 ^" F- [* }/ l: l: D/ ~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

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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

7 V/ Y2 S! M/ e0 I8 V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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& v/ Z" H! p- F. o+ L# j# 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%

4 W; [; L: j1 W  V# r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!
: }7 q7 W) t* V2 p! o& J: n. Vmeijuli66 发表于 2009-8-15 23:33

+ A$ r# m% O! @7 h/ R5 N- ^Variables Get More Competitive

* t) a. z$ h% F+ S Variable-rate mortgages are inching closer and closer to prime.

9 b: r/ B( p2 q, L8 c! v7 A9 bThis 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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- _8 \8 S0 Z, ?; g# i9 n9 b& z8 SMerix 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.
) h7 Q3 |+ ?+ fYou might ask yourself, “Why would I want a variable term under five years?”  
* y$ X' X" T9 I5 U8 c) f* ^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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' [* q3 @0 B# c8 P( f# h  I: 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
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" Q0 k8 _2 E5 N4 h4 V Variable-rate mortgages are inching closer and closer to prime.

. j# w- U" _, d: ]! }* hThis 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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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：

! ^6 l1 X6 |' X0 b! p8 ~" N3年浮动 P+0.10%

: f4 C8 N$ F: d' F5年浮动P+0.20%
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. w1 O2 B+ h' B- _( z/ a3 year  fix  3.39%
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2 V" |- m# x9 n- e4 |7 X. M4 year  fix  3.85%
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# Y: P) \) z4 i5 year  fix  3.99%
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