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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!' b1 U% o! a* [7 ~6 d$ ]& r
meijuli66 发表于 2009-8-15 23:33 
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Variables Get More Competitive" m8 Y8 W$ m/ s: Y/ y
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Variable-rate mortgages are inching closer and closer to prime.$ _( U+ x/ E4 z2 R- {% v6 B
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This week we saw a few lenders drop down to prime + 0.15%. Nationwide variable rates haven’t been this low since last fall.% \2 Z! q; C5 Q* @% M9 i5 W
4 _& I0 w/ I$ C8 m, S! _ ]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.' P z7 U' k9 q& v+ ]6 \; U$ U0 M, h i
You might ask yourself, “Why would I want a variable term under five years?”
2 ^% `5 h4 x0 t; U# R9 l+ Z7 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).
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: B) {+ Y% Y0 ~* C$ \7 s3 |4 XWhat’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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