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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!
7 {1 @5 a9 P2 `3 smeijuli66 发表于 2009-8-15 23:33  1 r0 K/ f4 P$ W+ l: u2 v
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Variables Get More Competitive
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Variable-rate mortgages are inching closer and closer to prime., u3 J0 L( s( f* a
' G4 X# d+ y: D, h. KThis 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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* n4 c3 o/ A( X2 {# _" LMerix 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 I9 M. [0 M, _) f! H$ CYou might ask yourself, “Why would I want a variable term under five years?”
: e. d# _" E( T9 S4 ]! l! rThe 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).& f5 x! P% ?; T7 s, F2 H* g9 o+ I6 y
, m2 S0 n7 Q) F! TWhat’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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