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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! j' Q5 Z4 N6 |) Z# w( b7 b
meijuli66 发表于 2009-8-15 23:33 
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- x- P# Z/ B' h9 nVariables Get More Competitive' e6 h8 p2 P9 u* w
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Variable-rate mortgages are inching closer and closer to prime./ o8 P$ b3 b o' \/ U+ u
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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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% C- I( {6 g. H$ hMerix 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.
?- M' ~( U& Z4 m. T0 r* pYou might ask yourself, “Why would I want a variable term under five years?”
+ v" x8 I# B8 E' iThe 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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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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