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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!5 E5 j- j* ?/ M" b2 L' _ A
meijuli66 发表于 2009-8-15 23:33  % v0 I! H) V) }6 i8 s
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Variables Get More Competitive
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Variable-rate mortgages are inching closer and closer to prime.
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: B4 g5 |' _1 l9 F. c& r* BThis week we saw a few lenders drop down to prime + 0.15%. Nationwide variable rates haven’t been this low since last fall.3 o! N. I! i; Z) Y8 J
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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.$ u) h6 r. S( F
You might ask yourself, “Why would I want a variable term under five years?” % w, S- R7 f: ~
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).# q' d: p' _; _; U2 s# a
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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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