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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!1 A3 k3 O0 a- U( S
meijuli66 发表于 2009-8-15 23:33 
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, Z2 h z2 P- B: GVariables Get More Competitive
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, ^2 V- K. R+ g1 ? ]7 ?, k Variable-rate mortgages are inching closer and closer to prime.9 |+ a0 C+ k3 Z: N
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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.+ _9 {! `, S/ I7 K
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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.
- N8 f3 Q, p& [0 q/ L0 fYou might ask yourself, “Why would I want a variable term under five years?” V! {3 Q# V$ H' O& `0 A+ A! y) j
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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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). |
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