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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!
6 i2 c% b9 W8 l% V8 g# j% f$ |. Omeijuli66 发表于 2009-8-15 23:33 
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Variables Get More Competitive8 d% l$ E# @! f/ H0 f$ j7 Y
+ r9 R F. P2 y4 k0 \ [. _ Variable-rate mortgages are inching closer and closer to prime.0 i% e$ Y, K, f$ H
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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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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., t1 b @: L, A8 m) [" e/ b
You might ask yourself, “Why would I want a variable term under five years?” ! `8 W, N* L0 K7 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).9 R2 |( J6 [4 |/ x
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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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