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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!
7 u( x0 H- Y7 r* Y5 ymeijuli66 发表于 2009-8-15 23:33 
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5 b- u, N/ R- ?; W0 ]Variables Get More Competitive2 C" K3 p- ]& {% }9 T
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Variable-rate mortgages are inching closer and closer to prime.
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% s' I8 ]+ l4 j$ MThis week we saw a few lenders drop down to prime + 0.15%. Nationwide variable rates haven’t been this low since last fall.- @: y0 r( r* F# A e
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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.
4 c! x7 O0 D5 A5 }* V) cYou might ask yourself, “Why would I want a variable term under five years?”
3 v% l( X! N% H& j$ p) eThe 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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