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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!8 b1 s3 o5 g9 u# k& u8 Q5 R9 x1 C
meijuli66 发表于 2009-8-15 23:33 
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Variables Get More Competitive) ~ W( B0 v. C. J n
$ r* E" ?& K! [: }" \ Variable-rate mortgages are inching closer and closer to prime.
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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.* {% N# z) S6 V# b7 ]
. t, V/ Z' G( X v u+ D4 i) w" \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.( ?2 ?& Y" z: m9 T) Q- w. ?
You might ask yourself, “Why would I want a variable term under five years?”
E9 i- G/ ] j* g% ] UThe 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).3 h) V) h/ A& ]9 {8 b2 n0 C) _
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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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