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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!
' k& x, r' U: M/ C2 S6 Lmeijuli66 发表于 2009-8-15 23:33  1 S0 U+ w# v. k8 L4 V# ~. u
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Variables Get More Competitive
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Variable-rate mortgages are inching closer and closer to prime.
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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.$ V' @' G9 V7 h9 ^1 ?7 Z& z
0 ^. t6 V; S" K" r7 z8 sMerix 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.9 N( c, m* K' R. ]0 y/ H$ X
You might ask yourself, “Why would I want a variable term under five years?” / V7 V" M# I+ j0 `, X" t; g# k
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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