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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!
% T) T5 U4 M. h/ M6 M9 i3 b* Hmeijuli66 发表于 2009-8-15 23:33 
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Variables Get More Competitive% n/ G# M0 ~8 F& n
- M9 }9 t0 z/ t5 W/ |3 p 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.7 J' P( ?" k7 l$ j0 s% W% \
. E v: N4 f- K3 K* k6 a7 d1 J) l4 \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.
6 r$ ?4 |) [4 A m- {5 U- R. d5 GYou might ask yourself, “Why would I want a variable term under five years?” 5 s$ d6 B3 h& R' P8 l8 P. j9 P
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).
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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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