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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!
7 P9 J; s- q$ i0 g6 \$ m! P: Emeijuli66 发表于 2009-8-15 23:33  # l" V6 O) K" z9 I( d& W1 r0 F8 G
/ T; ?/ x" s& Y4 e6 Z/ IVariables Get More Competitive
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9 |7 |* J# }/ q( H# }6 v4 D Variable-rate mortgages are inching closer and closer to prime.; [- \! L: s1 x4 S" p1 b$ c
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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., } {" X& u; T+ w- e, l
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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.
! y$ r1 ^6 U0 x5 N( {& f6 ?You might ask yourself, “Why would I want a variable term under five years?” 4 n- ~" x* u! M: x
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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