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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!1 T8 c. V2 l, t% }+ ~
meijuli66 发表于 2009-8-15 23:33  $ W% u/ X& s7 x- |! W; J
" n7 V1 G* W7 u m; GVariables Get More Competitive
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- Y* a* j' G. w5 |8 y$ A- P4 F' ] Variable-rate mortgages are inching closer and closer to prime.
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0 f+ K" h$ c* D' u0 WThis week we saw a few lenders drop down to prime + 0.15%. Nationwide variable rates haven’t been this low since last fall.' c5 E1 R* d5 z3 f; f
: r3 g" A! L+ ZMerix 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.
6 t' z" f7 g: {% L* a8 x3 f xYou might ask yourself, “Why would I want a variable term under five years?”
& K: l5 w+ W! j) N- ~' \ sThe 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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