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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!( n& v$ m# L, @" t1 t% @" `* b8 `; y
meijuli66 发表于 2009-8-15 23:33 
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Variables Get More Competitive
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5 u- z. M3 y& z$ j" G! { m Variable-rate mortgages are inching closer and closer to prime.$ G" H+ Q% N; \# o+ G$ 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.
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6 `) Z% ^ |% eMerix 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) ^% I4 F4 {- }, dYou might ask yourself, “Why would I want a variable term under five years?”
/ e, C* }$ o- X$ ]- X e! vThe 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).( Y' A- F7 X' [6 B. \5 z7 W
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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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