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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!
8 r) J1 D; o; F# C! Imeijuli66 发表于 2009-8-15 23:33 
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1 X, r I8 E0 VVariables Get More Competitive
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4 l/ q. m: A# z- I( [6 S# C Variable-rate mortgages are inching closer and closer to prime.
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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.3 ?( Z; h- W1 G* K, M! A4 m, v0 C
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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.$ \; H7 _- y, |% S
You might ask yourself, “Why would I want a variable term under five years?”
6 M& _, B) H# C7 g7 S! g9 {! KThe 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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