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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!% d$ q& V2 C! `9 @3 c8 ]: M F
meijuli66 发表于 2009-8-15 23:33 
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Variables Get More Competitive) Q% v+ w3 Z) i& L V
7 K {3 ?7 F: ^: j Variable-rate mortgages are inching closer and closer to prime.
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/ y, }3 T3 v% ~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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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.
& c! S% n, z3 I/ T2 Y+ c6 ?$ C2 Q) hYou might ask yourself, “Why would I want a variable term under five years?”
1 V5 M8 v) Z/ B" G+ V& e5 w }1 I+ [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).
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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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