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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!: r/ a. l# V% q4 c# u) g( q# r
meijuli66 发表于 2009-8-15 23:33  & m2 s$ C' d5 k
9 |! r7 @( d, x0 nVariables Get More Competitive# ?: U: X' e5 W+ L8 q! E% e6 T" }& h, j
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Variable-rate mortgages are inching closer and closer to prime.2 p V/ ]' c4 K$ B' |
8 W( ] y" p9 b$ ~+ c* XThis week we saw a few lenders drop down to prime + 0.15%. Nationwide variable rates haven’t been this low since last fall.& S5 D; g8 Y% ^# A6 ?8 c. n' b l
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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.3 ?% h8 H4 j) l% ?
You might ask yourself, “Why would I want a variable term under five years?”
! q7 ]5 F% Y @- C% l! CThe 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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