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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 N, W" G+ n5 A$ ?) o" J
meijuli66 发表于 2009-8-15 23:33  0 j1 D+ |. j3 R5 Y! g2 t; O2 W: b* G, d
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Variables Get More Competitive3 ]1 `% ?' @5 T4 [
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Variable-rate mortgages are inching closer and closer to prime.
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2 G, s" \, B% r# u' ~% EThis 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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: x& w v9 d' w5 cMerix 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 o6 g; L: |; ]
You might ask yourself, “Why would I want a variable term under five years?”
& Q( W' f/ _, k0 ]% ^2 oThe 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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+ m3 f! t# q- P9 |& x# Z, HWhat’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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