 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!
; s, S: q8 W- ~meijuli66 发表于 2009-8-15 23:33 
' O, v; z9 x3 b+ j% c. O2 h3 Y2 H$ b8 ?
Variables Get More Competitive' i% C ]. O" z8 F& E
) T1 X) Q- p- t, F Variable-rate mortgages are inching closer and closer to prime.
0 N# \" B L* N8 T
: A! a N# c/ \. OThis week we saw a few lenders drop down to prime + 0.15%. Nationwide variable rates haven’t been this low since last fall.
0 _( ]. X( r5 j% E L ; M0 Q6 o3 C) A& S9 V
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.8 d( W2 T0 ]2 v; x
You might ask yourself, “Why would I want a variable term under five years?”
& U+ C X/ w3 V% d3 u6 z2 \+ TThe 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).
+ f2 `4 T* v! b5 Y7 V; ~% }! {8 t7 ^# f7 \9 Z$ H
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). |
|