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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!; @/ S# u5 h/ `, a! g! p
meijuli66 发表于 2009-8-15 23:33 
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- T, K( C7 a: E, d2 i, b) U. N' b4 N" J7 RVariables Get More Competitive
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Variable-rate mortgages are inching closer and closer to prime.; H' A9 {1 C6 i% j* n! j
# h1 Q1 l$ ?+ n) SThis week we saw a few lenders drop down to prime + 0.15%. Nationwide variable rates haven’t been this low since last fall.6 f" _) ?( x$ w# `8 [
a ~& g0 D3 P( bMerix 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.6 g8 c; p* \) o& k3 O5 @. ?; H) q9 P
You might ask yourself, “Why would I want a variable term under five years?”
3 b% o/ J/ y) u; }' DThe 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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0 L- \3 s% m8 \. T# Y+ }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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