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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!- Y3 r1 T8 ^; z$ z) B" K, Z
meijuli66 发表于 2009-8-15 23:33  ( M! J' C( S+ P/ |5 n( |' t8 d
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Variables Get More Competitive) m& Z' |) W/ H- t- q5 r4 ?
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Variable-rate mortgages are inching closer and closer to prime., i B9 v. K8 a% c, Q& Y1 R
7 u" ]1 u" m! G& L% u! P5 vThis week we saw a few lenders drop down to prime + 0.15%. Nationwide variable rates haven’t been this low since last fall.6 P* J- m1 b" `8 a. T3 F* Z
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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.
0 ^& {/ E" f% k- ]$ GYou might ask yourself, “Why would I want a variable term under five years?”
' c3 ]: N/ }" n& V+ J8 qThe 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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