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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!* o! f( |" p5 W9 I3 ]0 k/ M# u
meijuli66 发表于 2009-8-15 23:33 
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Variables Get More Competitive* a9 r8 [/ m' Z6 }* Z7 c
4 j$ f: N _: Q8 w' D: I( {; a 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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! T* W5 S% D! W8 @" ~% YMerix 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.
: {, {" x4 K2 I; TYou might ask yourself, “Why would I want a variable term under five years?”
P8 ~6 E# ^5 h5 k- _' O. hThe 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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