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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!
' Q/ O4 J( q. f* ]0 t( wmeijuli66 发表于 2009-8-15 23:33  * r q4 k+ U' w( I) c) ]
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Variables Get More Competitive+ n! x* @ O* c6 U
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Variable-rate mortgages are inching closer and closer to prime.1 H+ u" d6 a) E
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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.
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8 R7 s8 z! _$ [: `% M' 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.( @' A1 y2 o$ r( n% T
You might ask yourself, “Why would I want a variable term under five years?”
6 y; q9 A& ^+ Q YThe 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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0 Z e# L, g1 @+ c mWhat’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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