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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 F0 h% N8 x' Z
meijuli66 发表于 2009-8-15 23:33  ' K* |* Y# G& d0 D# T7 E' Z
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Variables Get More Competitive
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7 [1 R. D" w* Q+ k4 x Variable-rate mortgages are inching closer and closer to prime.4 w: m0 n9 {8 K9 E, S! `
5 t6 x' |- u: t, ^/ B a8 s: y" z; X% LThis 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.- k/ o; G5 [- B1 `% z: W/ G
You might ask yourself, “Why would I want a variable term under five years?” & J! s# g2 W- t
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).3 x- q1 x) [; O
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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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