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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!
# A: z( Y1 ^2 w: S3 |6 I, @) jmeijuli66 发表于 2009-8-15 23:33  " ^! y) t/ B( H4 v1 P1 q/ r- A" {
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Variables Get More Competitive1 X7 c" h: U9 D/ s
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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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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., X2 l5 U+ g5 W* ?
You might ask yourself, “Why would I want a variable term under five years?” 8 a9 _" p. x. e+ v: s! a) J8 j
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).0 F5 x2 t9 q* b5 o9 M2 m
5 [' b% K$ _% ~' f; B. wWhat’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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