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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!& \$ i$ ^# i/ s+ u
meijuli66 发表于 2009-8-15 23:33  . k- W [) D! a t: b# E& i: E0 G
2 [% n4 c, g1 B8 _# _2 p2 gVariables Get More Competitive
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! u; k3 a8 v( j Variable-rate mortgages are inching closer and closer to prime.6 I, m4 `* w. q% e/ i
" F! a( E# l# ~) g9 S, |This week we saw a few lenders drop down to prime + 0.15%. Nationwide variable rates haven’t been this low since last fall.+ U$ S1 P' G: Z+ G! }# ?
- F0 N, g- v) u2 V3 k; v% fMerix 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.* Z2 ]7 Y* ^) e) i1 u1 Y7 ^ v
You might ask yourself, “Why would I want a variable term under five years?” 9 z# W& T4 c$ X5 ~ x. X
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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+ B0 h8 B" B: ~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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