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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!
2 g4 C [' Z Y' }) D H" [9 Nmeijuli66 发表于 2009-8-15 23:33  0 c; X6 s$ ?3 {! K
/ b+ M: ?4 e' Z" @/ ?0 Z) gVariables Get More Competitive0 @* T& }& _' @" N% U7 ~1 p" K
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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.
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% H- _! Z) t, ~2 N3 mMerix 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.
: ^7 x6 p$ R/ U4 ]+ Z- eYou might ask yourself, “Why would I want a variable term under five years?” 4 C# S- X0 S* t/ G8 H
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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