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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!
( }" Z4 q3 [8 j& Imeijuli66 发表于 2009-8-15 23:33 
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Variables Get More Competitive# O/ a1 a. s7 H; z
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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.
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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.
5 Y' }/ D/ R. a. q+ K. wYou might ask yourself, “Why would I want a variable term under five years?”
( R' ]: T; J; ?2 sThe 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).# g& u9 `( r0 J# @) U
+ m' G- l( P3 { pWhat’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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