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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!
7 @( D! z# E; q% Umeijuli66 发表于 2009-8-15 23:33  ( k6 U7 K6 b2 w; v' S, P9 w
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Variables Get More Competitive6 K8 v9 R) i+ _: e
5 e$ Z" o/ [: p$ O3 @. `! A) r Variable-rate mortgages are inching closer and closer to prime., e0 e- D9 M, Y
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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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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.) H) }" x' e4 G# _5 M# q, g
You might ask yourself, “Why would I want a variable term under five years?” 5 m7 p8 m7 H I7 y2 R
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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