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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!
$ |8 \$ Z! i/ }! p b+ m0 Fmeijuli66 发表于 2009-8-15 23:33  ) B/ O* \) y% O P& N1 T
" p' e9 m a2 B/ T, M7 h* H O! RVariables Get More Competitive
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Variable-rate mortgages are inching closer and closer to prime.
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/ _& s1 ]* W! H+ n$ M0 NThis week we saw a few lenders drop down to prime + 0.15%. Nationwide variable rates haven’t been this low since last fall.8 u# w# P' g8 ]4 C. x
' F7 ^( h4 |3 a5 r; n) e$ \- C/ T7 ^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.
- t" \6 \- A% \; q7 x" UYou might ask yourself, “Why would I want a variable term under five years?” " W4 U! u" o+ g% r, W5 ?$ F; }. ~* p
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).2 g0 c( J8 p1 e
9 V& B( F7 G7 q, [1 j$ G" vWhat’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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