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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!
* Q0 _4 v6 V2 a# J7 ^& @meijuli66 发表于 2009-8-15 23:33  % u U0 d& V" S7 W3 z
: o8 j" w+ c) U" F/ p2 f9 t! OVariables Get More Competitive4 u& ^0 b3 \7 o$ z! {9 x' F( m, H
" j2 V2 I; ]* l! q/ _ Variable-rate mortgages are inching closer and closer to prime.
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% Y" v+ A. Z, Q+ \9 a. DThis 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.3 G S r# ?4 H0 t5 K. \5 y# j
You might ask yourself, “Why would I want a variable term under five years?” L; b! ^" c; ^8 [' ~
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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