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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!
& w- u6 v4 U8 {, m6 w5 o$ Tmeijuli66 发表于 2009-8-15 23:33  4 J7 B( W& E4 Z1 M; M: F' Y
" u# h% w# q0 a) |& G3 t+ S9 z# R QVariables Get More Competitive) M2 f/ U( ~' r4 O/ j+ v
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Variable-rate mortgages are inching closer and closer to prime.% C3 X r3 b/ Z1 ]3 P
: N: N( x/ e" u+ W4 c/ Z/ ?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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4 {7 ~) X) g5 U0 B x' K* k5 y7 QMerix 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.+ W% X# F j7 b/ c" A& e2 T
You might ask yourself, “Why would I want a variable term under five years?” 9 s# X. J) x3 [; } l L
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).% u, t; Y) q: G: o* y+ j% B7 \
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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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