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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!0 \* v- w0 f$ m' \) c6 ~
meijuli66 发表于 2009-8-15 23:33  1 L" z/ ~* p; ^* U% Z) ^
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Variables Get More Competitive- N7 s# h8 i) i. G' S- l
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Variable-rate mortgages are inching closer and closer to prime.
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. Q4 V: d7 c% vThis 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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/ v6 D' d& Z5 F/ Z- C0 W: @9 o6 LMerix 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.
. p& g4 i) |% J5 oYou might ask yourself, “Why would I want a variable term under five years?” & c$ o: U# i/ t# |2 o
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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! ~" i' c1 @! r5 l) VWhat’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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