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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!( M7 T7 z* c5 w9 G( l, z* T
meijuli66 发表于 2009-8-15 23:33 
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" [# h4 {/ ]+ e/ i8 `Variables Get More Competitive+ g- U6 i2 s* k" z! L# I
" q* q5 |, v5 `; B; Q" P$ j Variable-rate mortgages are inching closer and closer to prime.) {6 F; s+ ~( I5 n5 c$ e
. g. e, ]5 p; {5 j2 tThis week we saw a few lenders drop down to prime + 0.15%. Nationwide variable rates haven’t been this low since last fall.5 \. b% T# X& z- J; F
3 s' H, l$ q* _ L) L5 fMerix 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./ z, S5 j$ Y/ \7 t; Q
You might ask yourself, “Why would I want a variable term under five years?” 6 f: f# P; k5 V' z: J) G9 [
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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4 U7 r& {% E, `6 mWhat’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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