 鲜花( 115)  鸡蛋( 0)
|

楼主 |
发表于 2009-8-16 13:13
|
显示全部楼层
请问哪些银行可以提供5年浮动的prime+0.3%? 多谢!0 z* X" U" q( \! ^, Y: [2 B4 E
meijuli66 发表于 2009-8-15 23:33  " x% ^. j& a& Y! D/ `, M2 w
" N6 X0 e0 F% S$ xVariables Get More Competitive
7 c6 F4 ]+ [) I8 F9 K5 T$ X% H6 G* A8 J9 Q( z! ?9 I8 F
Variable-rate mortgages are inching closer and closer to prime.
' F0 T( ~6 Z% N. M" ] U ; V7 f9 x7 W" p6 u% b
This week we saw a few lenders drop down to prime + 0.15%. Nationwide variable rates haven’t been this low since last fall.
" F( Q& Z# h; V0 u$ x( ` ) W7 z) s+ G3 o+ Y$ b; }6 k8 j
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.7 b( K2 M( L6 k0 p, A! F& Y
You might ask yourself, “Why would I want a variable term under five years?” ' y1 f; [( G! O5 X5 D
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).
1 I! a# ^3 n0 |: R/ b. J2 }# u$ B4 E6 J8 J) S/ B, p4 ~
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). |
|