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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 r. E( f. _4 H, S: a3 W: {meijuli66 发表于 2009-8-15 23:33 
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! D8 o; l$ A. s1 J, C5 AVariables Get More Competitive
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3 o5 [+ I( f% q( r Variable-rate mortgages are inching closer and closer to prime.
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2 Q8 O; g. [6 vThis 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.- q, \6 v, h6 W `9 l+ ?
You might ask yourself, “Why would I want a variable term under five years?” 1 t6 g7 K' e' E7 h3 C/ L" i. R3 W
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).( Z+ S3 ~5 c2 c 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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