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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!
! e- V# c! ~% t( z9 q$ ~meijuli66 发表于 2009-8-15 23:33 
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6 M" M0 R+ u, xVariables Get More Competitive" a2 ?$ F8 r) _. B- m
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Variable-rate mortgages are inching closer and closer to prime.6 V. s b8 ~' W |( C6 t. O
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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.$ Q2 F5 P3 B/ z, V% ?" R
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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.
, m% R6 X' P6 F9 U' a( m4 |& P+ HYou might ask yourself, “Why would I want a variable term under five years?” : d" \2 {3 p, l; N6 V: Y
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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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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