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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!
, R) n, T# I( K4 @) [7 u" X- {- Omeijuli66 发表于 2009-8-15 23:33 
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6 u/ G: o- A+ q) zVariables Get More Competitive+ m. p" ?$ ^$ N: K
; N* }) q& @9 c3 s) | Variable-rate mortgages are inching closer and closer to prime.$ C1 y7 O& u) U* {
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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.7 h2 ? @% u$ E5 i4 Z/ O
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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.
[ I9 G; d4 {* wYou might ask yourself, “Why would I want a variable term under five years?”
# c& J5 Q$ g) }/ ?: K% @$ j8 c* A( |1 [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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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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