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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!- i5 r1 U5 g/ \/ q
meijuli66 发表于 2009-8-15 23:33  ! N6 @( O$ \( e' P
6 m3 ?+ v( J3 K/ i; EVariables Get More Competitive6 b4 @' J( H: ~* _
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Variable-rate mortgages are inching closer and closer to prime.
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# |5 E# M Y0 z- r& H0 L) ?( G0 wThis week we saw a few lenders drop down to prime + 0.15%. Nationwide variable rates haven’t been this low since last fall.. C& a7 j6 t7 X
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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.
9 u- W1 z* b! g; o6 sYou might ask yourself, “Why would I want a variable term under five years?”
# j' a& N% Z& H' I6 S; ]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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6 |9 W x& A4 b9 N9 m9 g: 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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