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发表于 2009-8-16 13:13
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请问哪些银行可以提供5年浮动的prime+0.3%? 多谢!
) L& a- o& ^9 z, u- e8 omeijuli66 发表于 2009-8-15 23:33  9 ^5 S( k( ?2 B; i$ ?; k& N( L2 S
" A, Z0 [; H. rVariables Get More Competitive
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9 G0 L& R+ [/ N" Z9 V Variable-rate mortgages are inching closer and closer to prime.
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( s* G8 X7 q5 M8 e4 l5 i0 h# ZThis 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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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.
8 d! C1 Q7 p, G. kYou might ask yourself, “Why would I want a variable term under five years?”
3 S* F7 i* @. z* T" G- eThe 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).: q0 n: r# O: j0 Z1 v
$ T/ @( ~2 b! v9 cWhat’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). |
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