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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!5 L3 x+ p T, l( v! |4 W
meijuli66 发表于 2009-8-15 23:33 
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Variables Get More Competitive
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; q% y8 z: `, Z0 a" M Variable-rate mortgages are inching closer and closer to prime.
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8 R Q3 N8 q2 q/ G% nThis week we saw a few lenders drop down to prime + 0.15%. Nationwide variable rates haven’t been this low since last fall.3 b' ?3 b$ `1 r3 L5 \9 \, e
) e# R b' V# ^$ Q% KMerix 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.
! p, {; q. g; U$ U* lYou might ask yourself, “Why would I want a variable term under five years?” + l+ e0 i6 C% N
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).) p, b: J8 i7 p1 s/ \
$ |( C4 B2 r) h- A! M! AWhat’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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