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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6 v1 o& v1 z4 l% K, w, v" _5年浮动P+0.30%

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3 year  fix  3.39%

4 year  fix  3.85%

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！
7 g: ~6 i9 R0 x# R* h. a' xlunik 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。
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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%
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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!
4 p- Y% p, R0 l' p7 @+ jmeijuli66 发表于 2009-8-15 23:33

  N0 w- P- _* oVariables Get More Competitive
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- q/ ]8 _% M6 t# L1 \  ? Variable-rate mortgages are inching closer and closer to prime.
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8 f3 ]; R2 q9 m. cThis 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?”  
9 O( }* Q& J& b0 P. _3 pThe 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
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- C5 ]/ e. u$ S. F0 x2 Y! b5 i4 B; L Variable-rate mortgages are inching closer and closer to prime.
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; _! v( Z$ a7 A* j  _5 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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" ^8 t4 F6 p: X+ Ythank 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 X! _, E8 {" U; v2 f3年浮动 P+0.10%

9 o( c; E/ e8 o6 ]5 w+ V& g5年浮动P+0.20%


$ O) V# c2 }3 J# @3 year  fix  3.39%

5 d+ a' J0 P3 t. S4 year  fix  3.85%

$ U2 n& p" `1 z0 N5 year  fix  3.99%

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