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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!3 K2 y2 b& x+ {, U2 Y
meijuli66 发表于 2009-8-15 23:33  ( u- Z/ \" B- K$ G/ |! v
' O) W7 i. _" M, P; O4 ^Variables Get More Competitive
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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.8 ], x, m3 `) |
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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.
2 [2 J- b+ w( a- z3 E& x. u0 ZYou might ask yourself, “Why would I want a variable term under five years?”
: i. B+ ~4 Z6 ?/ K/ X4 T j/ _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).+ v6 {. P& r6 }& T. N' X$ B
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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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