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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!+ e3 I \/ H- Q7 y; C+ f! E
meijuli66 发表于 2009-8-15 23:33 
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( f2 t6 ?0 s0 tVariables Get More Competitive( \# L6 O: I7 k$ c) a+ ?* K# q
1 O v2 D0 P9 a7 Z0 D Variable-rate mortgages are inching closer and closer to prime.+ q3 g6 F) v [( [1 l
9 d9 ]9 z' V# c( Z9 v2 [4 j+ PThis 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.9 H. L9 K0 a% [
You might ask yourself, “Why would I want a variable term under five years?”
3 @4 V4 F8 H6 t! z" 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).0 S% J; ^( }7 m& @
1 J9 k* e9 F' a/ Z6 ]- zWhat’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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