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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!
9 v ]; Z3 ?2 pmeijuli66 发表于 2009-8-15 23:33 
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Variables Get More Competitive
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/ x- A4 U' l3 ~) k* w Variable-rate mortgages are inching closer and closer to prime.) A4 r9 }3 {2 r7 h' P! T. j
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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.1 c; r1 @* B% h5 q! K# ?: T
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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.
7 z, {: I8 H: u" `You might ask yourself, “Why would I want a variable term under five years?” / @& y4 E0 ^+ U, k8 I
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)., g3 _* L$ c& Z$ c* v' |0 b6 c- b
* A; ~) l+ l! S0 sWhat’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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