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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!9 @* Z& T+ ?: Z' E" }" Q
meijuli66 发表于 2009-8-15 23:33  & X1 c3 B2 v: u6 @: h. j6 p
2 q5 o* `+ j. L5 c# SVariables Get More Competitive& d% p7 A2 t9 o. W0 R
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Variable-rate mortgages are inching closer and closer to prime.( ?# P9 H! e3 W
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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.
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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.
: O# m3 |. W2 S. Q1 Q1 \! D- ]You might ask yourself, “Why would I want a variable term under five years?” * z, q3 Q% z# d) S; |; n Y% }
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).; N, k( r m7 s- |" t' F
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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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