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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 R5 w, N5 m! n. e, n4 Z: \2 Rmeijuli66 发表于 2009-8-15 23:33  7 {+ M% j7 N7 P5 @* P) y! Y; p
% t% J9 q, _" U3 L, HVariables Get More Competitive$ q* q, A& b: A$ ? c( h: P
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Variable-rate mortgages are inching closer and closer to prime.: H/ @% F+ q! N0 D7 a/ |: x. J; o3 b
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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.! ?2 {7 o2 F' Z
- \+ E+ T5 w+ pMerix 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.
- R7 W+ I' ^% h' MYou might ask yourself, “Why would I want a variable term under five years?”
0 D+ n, ]; b" M* ]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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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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