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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 M# C% T0 y& [1 G, d1 D* xmeijuli66 发表于 2009-8-15 23:33  $ _: H" T! R4 y
- d% _8 B3 H# r# ~# c0 WVariables Get More Competitive: q4 H; V0 _9 I! j+ m
+ Y% a1 g! |# C$ O9 H+ N4 v 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.* n0 a% K0 q* q! V- Y9 g
% e( ]2 y8 J$ u3 S9 u8 h8 YMerix 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.
/ N0 F' s# A% Q1 iYou might ask yourself, “Why would I want a variable term under five years?” - S* k, H9 A8 U9 N! s) m
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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, J5 {0 x4 M' Y3 {3 ~, B1 d: \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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