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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! C G5 a+ ?; {$ Q+ S
meijuli66 发表于 2009-8-15 23:33 
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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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9 B! n6 c8 T2 IThis week we saw a few lenders drop down to prime + 0.15%. Nationwide variable rates haven’t been this low since last fall./ _/ A& g$ I1 B4 W; w" U' m3 A8 m
' b P5 W9 I9 R) @# Q# O. KMerix 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 d4 k6 E+ q1 `, wYou might ask yourself, “Why would I want a variable term under five years?”
. _5 W: j0 H4 G5 |( K# N# ]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).' C9 z' M4 \$ u% p: L$ H
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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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