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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!
|0 V: A2 x3 i8 q* Vmeijuli66 发表于 2009-8-15 23:33 
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Variables Get More Competitive4 N7 Y: D. f% E. y; g% n
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Variable-rate mortgages are inching closer and closer to prime.8 X- |4 f( n# S7 v! ], N/ F
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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.
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! {, A2 d9 P( q- Y3 V1 `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.
9 M& O9 ]' y2 ]! w9 ?You might ask yourself, “Why would I want a variable term under five years?”
+ J3 S9 v5 ]. b+ v9 q9 i- FThe 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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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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