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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!
- V" ~) u7 D$ xmeijuli66 发表于 2009-8-15 23:33 
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Variables Get More Competitive5 ?8 w% T! P( x' U9 M
6 F# R' J- @7 C( r* h2 E. s% \ Variable-rate mortgages are inching closer and closer to prime.# Z- ~* A" ?% c
( P; {4 ]- d) T# ~/ i* LThis week we saw a few lenders drop down to prime + 0.15%. Nationwide variable rates haven’t been this low since last fall.7 E2 [6 ^. C; k6 ?( u% \- t
+ p3 l' b; N/ W/ L J O$ f4 KMerix 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.6 } k e d X" x* y2 A
You might ask yourself, “Why would I want a variable term under five years?” 5 }0 ]' Y1 z: E# F8 t! S8 y
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).9 a$ Q# T8 \+ L8 T: L
' }+ q* V* I5 p( dWhat’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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