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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 _# A' w& o3 X
meijuli66 发表于 2009-8-15 23:33 
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Variables Get More Competitive' o9 c f$ ~- @6 {2 F& P3 e* R
+ J# t! O) M# X5 T9 U) { 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.$ N' r% E7 o" b( w! }; M# x6 M
9 G! L/ ~. P; j7 q* \3 G( {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.* b8 l/ k5 x) e4 R$ B+ y
You might ask yourself, “Why would I want a variable term under five years?” 5 ~- |/ ~3 q0 l) Q( |$ P F5 E
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).: n" X: E) X& I( v7 E. f# c' _
* ]3 V$ f( {) X$ O) JWhat’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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