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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!
5 Q# S# p& c, B, Xmeijuli66 发表于 2009-8-15 23:33  / R+ l3 Y; Z. w/ t* a+ J
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Variables Get More Competitive2 b! g, y8 T& b: M
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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.3 @/ T* U) u2 [7 _
2 @- H8 g. L8 p* 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.
7 t! V+ ~4 x" V/ i4 T% pYou might ask yourself, “Why would I want a variable term under five years?”
- c9 |8 w, X3 J$ t6 j: \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).5 ^8 H5 L3 R+ ~ d8 M+ [
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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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