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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!! _, ~0 u" c4 o- Y9 H' A$ Q( \
meijuli66 发表于 2009-8-15 23:33  1 \7 P% Z3 t: D! R, q
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Variables Get More Competitive
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" J( c$ S5 ^( x Variable-rate mortgages are inching closer and closer to prime.6 ], E- t! r7 k3 e# }/ ~
% T3 u( R! c" z1 B& @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 f n4 l( i9 C' Q
You might ask yourself, “Why would I want a variable term under five years?”
. V- p5 l Z9 \4 b2 @/ CThe 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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. ~! p2 `3 B% ]3 a( m# Q1 lWhat’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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