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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!$ ?1 S+ e2 |, }4 S& I
meijuli66 发表于 2009-8-15 23:33  & K, ?2 l+ }- C; `& _ A
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Variables Get More Competitive
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( ^# T, e& @4 w( i0 ?; J+ ] 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. r2 A# F( r1 @ x' \ `
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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., S$ q2 }; I* d; u+ w
You might ask yourself, “Why would I want a variable term under five years?”
* |- o6 o: u" ^$ X( R+ Y8 B& n0 mThe 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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& N6 h2 |$ i( uWhat’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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