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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 a- c f: L4 l9 |9 p
meijuli66 发表于 2009-8-15 23:33 
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/ l* g2 J$ L; @& eVariables Get More Competitive& e. \! P: P4 T% o. u8 O
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Variable-rate mortgages are inching closer and closer to prime.! F5 }) a6 j. [) 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.6 R! U C- g/ }2 r
" ~! \+ d4 q% j. K7 v6 o/ x0 s0 XMerix 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.
- P4 V+ A A! _& o& _. k ]7 KYou might ask yourself, “Why would I want a variable term under five years?” a3 d& ?. Y4 A! K% w3 O- M
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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8 A* R7 \* S! V# h9 uWhat’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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