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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!
7 U0 M7 i0 ]' r; g' O6 tmeijuli66 发表于 2009-8-15 23:33 
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4 f" h' |! F3 X% t/ RVariables Get More Competitive
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Variable-rate mortgages are inching closer and closer to prime.' I# Z4 u% c' [( h( f# U) V9 N
* B7 q' l$ v4 f" cThis 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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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.- |5 ]% c0 G1 h9 g
You might ask yourself, “Why would I want a variable term under five years?” A' N4 L6 _# k* T! Z; A
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).2 V" |8 {. T7 r) T5 j( }
1 q# N( F( R4 g0 M! G# xWhat’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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