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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!4 |3 {3 Z6 N6 H* r, G1 K9 K% c1 b% [
meijuli66 发表于 2009-8-15 23:33  ) b; K: D& Q+ L( l, Y! F
1 H, y1 X. J7 Q4 `" U6 P3 J, JVariables Get More Competitive
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Variable-rate mortgages are inching closer and closer to prime.
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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.
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* [ t9 E; O; uMerix 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.
R6 H) m! Y. G- XYou might ask yourself, “Why would I want a variable term under five years?” ) V* Y" K# D" G5 @1 z" T8 W! x
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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@' }( w# G6 N3 q5 Y9 c' m" AWhat’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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