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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!$ ^5 A, S, v. o$ U% y4 B
meijuli66 发表于 2009-8-15 23:33  ' u- _8 a$ V& F' y- A
: @# [3 v, m$ f7 g9 Y# vVariables Get More Competitive" w x' }) H) D( D& t
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Variable-rate mortgages are inching closer and closer to prime.6 K1 V( q3 v& H9 n* \4 a/ f9 V
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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.
! i8 {% } G) i: s$ F- _& o1 vYou might ask yourself, “Why would I want a variable term under five years?” 6 b+ x! t+ Y& P- N+ k: t6 [
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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, T6 i% }0 w! C# C6 T5 }# P3 `9 LWhat’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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