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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!
" |3 c# J3 N- w$ F% _% ?! S" Pmeijuli66 发表于 2009-8-15 23:33  " P6 N- L9 A( J1 `& M; S- r5 w# r$ M
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Variables Get More Competitive
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3 \$ D/ [( m8 j: M/ l6 ]* h Variable-rate mortgages are inching closer and closer to prime.
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: _1 ?8 E8 t' I2 O" Y) cThis 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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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.% s0 N+ {- T! i, _; U) Z3 O/ o
You might ask yourself, “Why would I want a variable term under five years?”
5 L5 S3 [: [' Y- ` y6 PThe 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).) g6 T4 A/ \5 e+ h3 I4 N" F
' d- M# I+ Z/ W- k5 NWhat’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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