 鲜花( 115)  鸡蛋( 0)
|

楼主 |
发表于 2009-8-16 13:13
|
显示全部楼层
请问哪些银行可以提供5年浮动的prime+0.3%? 多谢!
/ z8 ]8 J" ~) }8 T! s- _. |' v4 Smeijuli66 发表于 2009-8-15 23:33 
) b0 c7 I+ ~( ]9 f" V- ?
1 ^( W" n3 R# A5 O* }' \Variables Get More Competitive0 H! n7 j: l' b$ x. s$ d6 X! T+ ]% F6 T
, U. B' ]8 W( t/ w, n) x( j( p% { Variable-rate mortgages are inching closer and closer to prime.& T9 W h2 @' o C, f
- M* \2 Z6 r( nThis week we saw a few lenders drop down to prime + 0.15%. Nationwide variable rates haven’t been this low since last fall.
$ ~4 U$ i! u, t* p9 \; U! S) t7 g: Y& N1 E 9 s: X2 L& S0 O* \. r$ E, K
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.; l3 _- k$ V; W& D( i
You might ask yourself, “Why would I want a variable term under five years?”
5 G; o' r( |$ N- Y- h) y& N* bThe 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).; H- ?( {9 t* A! ^
1 ?2 ? y, c- W+ \
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). |
|