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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 y4 r/ W/ ^( p+ N+ I( Q& P/ b, Y
meijuli66 发表于 2009-8-15 23:33 
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% w5 @9 L9 _5 W# m2 R8 AVariables Get More Competitive1 \' w0 {6 ]$ E8 d) f
, w% m/ a1 H3 q; `; O) b$ c4 w Variable-rate mortgages are inching closer and closer to prime.- b' |# `) A) {0 [8 u0 M4 l: J
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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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2 g1 _. z2 @1 |/ n5 DMerix 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.4 o& @3 ?% m( N: G3 d; ~* d
You might ask yourself, “Why would I want a variable term under five years?”
+ L7 Q0 K: e8 a2 ]: t3 B- C/ n u% {2 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).. S7 S" Q' e: d& l8 H4 A4 n
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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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