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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!, Y2 `6 p! k4 E X" a
meijuli66 发表于 2009-8-15 23:33 
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* d# ~( I$ V# o3 w+ T, n4 w8 c: F# s8 HVariables Get More Competitive
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; V3 A! j9 P1 J" X! c) p0 r2 S 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.2 a( `4 `: N# e, @/ p
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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.* [+ f" p$ q: \3 T/ D6 ^6 ?
You might ask yourself, “Why would I want a variable term under five years?”
8 H5 S. h6 _2 A" ?; U8 D1 ZThe 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).1 _0 z& J2 k4 m! v" V% n4 K) v
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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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