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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!
; f$ u u1 O7 y5 l5 J# v0 M/ J5 Bmeijuli66 发表于 2009-8-15 23:33  3 {8 ^' N d$ s" t" T9 L x
2 S6 J+ z) g* L8 O, {1 O9 P$ RVariables Get More Competitive% f! R! C, [6 s/ i& S6 X
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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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/ g3 O( j ?% \* r N* c" YMerix 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.$ q9 H1 Z) i" v& ]
You might ask yourself, “Why would I want a variable term under five years?” 0 v/ |" O. E" L* S
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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l# \ N0 {- D; c! b3 R4 c# ]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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