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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!
' R: j7 N3 {& g0 Z4 E" X8 jmeijuli66 发表于 2009-8-15 23:33  / `8 [8 e( f- Y; F2 Z) n( S
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Variables Get More Competitive
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Variable-rate mortgages are inching closer and closer to prime.
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; n% l8 B; b" f1 uThis week we saw a few lenders drop down to prime + 0.15%. Nationwide variable rates haven’t been this low since last fall.' z; ~) j' L. H
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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.
( \: y$ |: r: U7 ~4 lYou might ask yourself, “Why would I want a variable term under five years?” 3 R. M/ L# L, S/ r
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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& ` S+ \( {8 B0 x* ^$ V! Z- w% 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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