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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!# ~) u `+ V9 C; Z8 d( i
meijuli66 发表于 2009-8-15 23:33  3 h& x; e, A% v5 K8 [
, t0 f6 J2 G3 O- p+ |- h4 ~Variables Get More Competitive" |1 ?$ ?- e. l% q$ B9 y# O/ o
1 p" j9 J( M1 E& c 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.
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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.
Q/ q6 G3 X( aYou might ask yourself, “Why would I want a variable term under five years?” 0 w- m& P" `9 N/ q( s( 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).% v5 p6 _& v& Q4 d8 W
! ~/ E1 C4 p1 O' z" ]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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