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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!' M+ h* [* U, _4 ~5 U0 g
meijuli66 发表于 2009-8-15 23:33 
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2 @6 T: s3 d" h; S. r! f2 UVariables Get More Competitive& i6 h4 V; [; `2 H* I* b
" h# n; @) q- e6 T Variable-rate mortgages are inching closer and closer to prime." u! O# ^' z; q0 r1 h7 L v
! U! j9 g/ E, AThis week we saw a few lenders drop down to prime + 0.15%. Nationwide variable rates haven’t been this low since last fall.$ e- [ b$ {; D8 P
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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.
& N$ E3 z0 X4 I% Y+ r+ O7 ]6 SYou might ask yourself, “Why would I want a variable term under five years?” ! c9 b M: G3 V, w3 a* 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).
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6 l6 u6 ]9 F8 Z' N& k# N7 tWhat’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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