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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!
& C! u* Q' |5 x) g: Tmeijuli66 发表于 2009-8-15 23:33 
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. k) e$ s7 B% o" |Variables Get More Competitive2 K, [% q" B% m: D
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Variable-rate mortgages are inching closer and closer to prime.. w* R f( i0 n& J
# v0 I, ~( n1 c5 oThis 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.
g7 ?1 ^' b! D) v- G: ?You might ask yourself, “Why would I want a variable term under five years?”
0 W( E, f9 u3 r& 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)., Q& }% C( r, N
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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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