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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!
, V9 v6 B' t- L1 ^7 W7 O" ^, fmeijuli66 发表于 2009-8-15 23:33  + G7 l7 _8 q5 Q; W3 @
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Variables Get More Competitive6 i$ j7 y$ e, I! b
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Variable-rate mortgages are inching closer and closer to prime.( w) [7 [ P+ d! u6 |
& |% J7 X' d" D1 Y2 `: o; xThis 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.
+ Q X3 P6 h0 N: Z+ [. pYou might ask yourself, “Why would I want a variable term under five years?” 1 M1 a5 b7 H( G8 } E8 r' g
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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) E5 N( z: B9 x5 V: L; A9 A% ^3 ]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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