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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!' T. D) Z1 n8 u8 F1 H6 |8 W
meijuli66 发表于 2009-8-15 23:33 
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Variables Get More Competitive6 }# H6 d! X! {3 f4 R2 _# a
) {' U% a) c" a: l Variable-rate mortgages are inching closer and closer to prime.( z5 S% D- E' T$ S4 O
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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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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 c9 c3 ?: p2 U p/ P; {+ K( c
You might ask yourself, “Why would I want a variable term under five years?”
% G5 z- F' H! q3 kThe 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)., t( m" a5 b3 `: O8 O o# q' [- L8 E
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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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