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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 }* l. V0 M! l5 k0 ?+ qmeijuli66 发表于 2009-8-15 23:33  8 P5 ^* }4 ^7 ^2 T6 G
, d0 K+ \) m; k3 a- }% w8 l* OVariables Get More Competitive; E% N4 b7 B! ^" H; I
( H' q7 O5 S8 N Variable-rate mortgages are inching closer and closer to prime.
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0 C0 ^ s: ]7 JThis 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.
4 [, E0 Z, {% EYou might ask yourself, “Why would I want a variable term under five years?”
! r9 r( D: Q9 ?& {, z: p8 vThe 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).. [ \& e) G" L4 V0 L
3 `6 w; a2 b9 eWhat’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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