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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!
' ^# _: W5 U* [5 o) |9 w9 ameijuli66 发表于 2009-8-15 23:33 
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. c, e3 v4 k* |- p Z( r3 r- ^Variables Get More Competitive
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. b/ b- _9 o+ T1 d, H Variable-rate mortgages are inching closer and closer to prime.
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z7 l& m( g! g" H) n4 zThis week we saw a few lenders drop down to prime + 0.15%. Nationwide variable rates haven’t been this low since last fall.& d+ e B" S8 o) X8 ?. Z
! x0 d! J7 l/ J1 A' A0 `' ]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.
- @8 A C' R% Q4 |: L# e) yYou might ask yourself, “Why would I want a variable term under five years?” 2 S4 Q# `; |6 \% U( L8 b
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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