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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!) d& G. w+ i% r
meijuli66 发表于 2009-8-15 23:33 
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: ~3 o8 k( ~# K+ J! D( a$ [" HVariables Get More Competitive) V' `$ @5 p8 M' E. `7 F
~4 m% P: j1 w+ H# E" f* p Variable-rate mortgages are inching closer and closer to prime.+ K9 o5 B* S# c0 z. C1 d) \
6 r' C: h2 M, t& g" |! fThis week we saw a few lenders drop down to prime + 0.15%. Nationwide variable rates haven’t been this low since last fall.8 K9 W5 H8 q; p; w5 N$ F6 U/ l% K
6 K, s( J- e9 [/ _) I+ e6 ?* V" PMerix 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., ^$ S0 S R O/ Y1 z* g* S! ~6 l
You might ask yourself, “Why would I want a variable term under five years?”
) ?# f: r: L$ A {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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! l! B- _1 @) g% x- \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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