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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!
3 \7 x+ l6 v' c; Qmeijuli66 发表于 2009-8-15 23:33 
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Variables Get More Competitive
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L( Z# i/ b% j' ^3 z" | Variable-rate mortgages are inching closer and closer to prime.
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* b# u6 [6 h' s5 W* t! c1 WThis week we saw a few lenders drop down to prime + 0.15%. Nationwide variable rates haven’t been this low since last fall.9 G1 F# X1 F2 l/ `
4 B/ Z. G5 }; n) Q7 VMerix 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.
$ x' }9 }* \# U! S3 r) |8 V, Q. ^1 YYou might ask yourself, “Why would I want a variable term under five years?”
3 E; @0 G' e/ Z6 {2 v! r4 kThe 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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1 m4 C% R" R7 J: k! \3 `2 y# NWhat’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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