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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!
6 Y) e1 u' A0 ]meijuli66 发表于 2009-8-15 23:33  0 {7 z7 U# ^8 v0 ?1 g( f. N
" }5 a) d9 b" I. ]0 QVariables Get More Competitive$ _; A0 u. M/ b& Y3 K3 m; h
, ^: |) R) U8 g Variable-rate mortgages are inching closer and closer to prime.) S) ~' z0 n) u: v8 `
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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./ m1 E+ W1 h1 I5 p- }2 x( G8 S$ k
" s& D s% ~4 CMerix 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.- P5 @; J6 f `# d [
You might ask yourself, “Why would I want a variable term under five years?” 8 M2 _& |/ G2 C! l
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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What’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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