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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!4 Z) t7 f. l9 B5 P
meijuli66 发表于 2009-8-15 23:33 
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6 I( T. g$ ^" J* S( W1 kVariables Get More Competitive0 ^( I8 w0 k' O
) p4 g8 S. f$ R Variable-rate mortgages are inching closer and closer to prime.' [3 A$ D4 n" [, ?9 i( s" F8 Z
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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. E2 _8 ?+ j! h/ t2 `3 G( Y
3 A0 @7 {/ ?( w/ B2 C) 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.5 O" [3 m6 Z y/ x. s
You might ask yourself, “Why would I want a variable term under five years?”
7 [/ P0 Q u- T! v7 O" x5 J0 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).& p# _4 J$ G* m$ P* ]5 v, l; J
* m$ |) n( w: |1 i2 p1 m+ rWhat’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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