 鲜花( 115)  鸡蛋( 0)
|

楼主 |
发表于 2009-8-16 13:13
|
显示全部楼层
请问哪些银行可以提供5年浮动的prime+0.3%? 多谢!
$ F% p& `6 r1 T% i! I% bmeijuli66 发表于 2009-8-15 23:33  # B9 u: j0 ]. D+ H2 j
. g. G; V8 Y0 i9 o
Variables Get More Competitive
1 b) p1 m& h& d" ]) Y: k8 ?# `, R: p+ p
Variable-rate mortgages are inching closer and closer to prime.
" v3 }0 s" Z+ d `
5 a) ^. o9 j* K3 n9 `9 AThis week we saw a few lenders drop down to prime + 0.15%. Nationwide variable rates haven’t been this low since last fall., d* Q: O, N. v! V
$ E# e A- T$ \+ N, {; Y" W% I9 OMerix 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.
! n: w8 q3 p U+ O2 e- _1 d4 F; }2 u& HYou might ask yourself, “Why would I want a variable term under five years?” 9 ]) n" x& a* X
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).
' p4 l7 N8 U6 V) H# g
! f d+ k9 [5 B w$ I9 x, uWhat’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). |
|