利率新动向：3年浮动 P+0.15%；5年浮动P+0.30%

年轻的心

% n  C7 P$ ]/ d7 x利率新动向：

  }- M+ S9 a% O3 p4 z, ]" G# I. I3年浮动 P+0.15%

9 k7 t4 n5 ?0 P& E# k" B5年浮动P+0.30%
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3 year  fix  3.39%
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5 q7 j, m# X0 w  n' A4 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！
5 f* A$ Y" {3 [! [/ hlunik 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。

! D' R" H# v0 y9 F6 K7 g6 Y5 o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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+ V% ~  c( @" p, K) W7 @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!
5 _. d5 X- d: |8 Ameijuli66 发表于 2009-8-15 23:33

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3 T" \2 N- P' h  y/ I* E! CVariables Get More Competitive

Variable-rate mortgages are inching closer and closer to prime.
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7 P9 L- }& `6 ^7 ~& N$ sThis 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.
) ?+ A1 [4 M" W+ Q* zYou 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).

  I& W; J. w* e8 t# `6 a5 DWhat’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

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’ ...
; L" L6 x# `* C1 X年轻的心 发表于 2009-8-16 14:13

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3 l7 q# G- V+ h* ^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 i+ n. U& L4 w4 Q$ j; {3年浮动 P+0.10%
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- W6 Q& s- ^& {" O( V5年浮动P+0.20%

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3 year  fix  3.39%
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5 u+ R" k; d$ Z1 n9 V* c4 year  fix  3.85%
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) Z) k8 a* p6 i" U, s5 year  fix  3.99%



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