 鲜花( 115)  鸡蛋( 0)
|

楼主 |
发表于 2009-8-16 13:13
|
显示全部楼层
请问哪些银行可以提供5年浮动的prime+0.3%? 多谢!! L/ j8 [+ P2 d' Q9 F& ? U
meijuli66 发表于 2009-8-15 23:33  " e. Z! E* o) W% o$ ^
: A4 S" `9 Z/ H6 _Variables Get More Competitive
% n/ p% ]. j! w! P( M* H* L
8 Y8 i1 N! f' C& f# z% v1 m/ e5 v' z Variable-rate mortgages are inching closer and closer to prime.
- N! g) @6 s3 E2 L1 d; \ 6 e9 g! y* G' b# V+ T% i
This week we saw a few lenders drop down to prime + 0.15%. Nationwide variable rates haven’t been this low since last fall., |2 T% f6 T/ r2 _' b" }4 ~
* ~, _- J2 [) c# } t4 [; @0 JMerix 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% b1 T! e k8 v& R. h7 k
You might ask yourself, “Why would I want a variable term under five years?”
, ~$ X/ E. h2 M2 q2 p' q: E, jThe 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).
8 y7 q8 i6 l; v
. a5 {9 `; x( D! PWhat’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). |
|