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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!0 w& N* M) W: r/ m/ D
meijuli66 发表于 2009-8-15 23:33  h5 T2 {1 k# @- c( o S% ~
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Variables Get More Competitive7 _7 ~( Z5 R) p, ^
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Variable-rate mortgages are inching closer and closer to prime.. `5 E a7 R; |' G5 [& N, K
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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.$ t: L7 q& {+ t( N" R0 D
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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.
9 P- {7 j% b$ { f+ V9 g E5 EYou might ask yourself, “Why would I want a variable term under five years?” 8 P7 C, T, X3 g$ H: k ]
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).# V" \- C. h% Z* w
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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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