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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!$ |9 B4 g h7 R4 ~' q# H( p
meijuli66 发表于 2009-8-15 23:33 
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$ ]% n" K2 N6 j8 {, a9 j OVariables Get More Competitive
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Variable-rate mortgages are inching closer and closer to prime.
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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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) t4 O" D9 W G% n. P }; kMerix 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.* I6 ^7 L7 P5 ]
You might ask yourself, “Why would I want a variable term under five years?”
# B) k/ w X Q* MThe 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).+ I+ V! @! ?( e: H/ u
& M8 g% }" ~6 `" o& _/ j uWhat’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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