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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!
. q' `6 g4 e i7 Kmeijuli66 发表于 2009-8-15 23:33 
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Variables Get More Competitive# |: H5 M- y5 O7 |; K( ]
5 \) I) y7 R6 j Variable-rate mortgages are inching closer and closer to prime.& t* O" g; O, f/ t" E
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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.9 |$ ~* N$ h0 o! N
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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.& g1 }" b- W$ ], x+ _4 F/ r1 C1 K
You might ask yourself, “Why would I want a variable term under five years?” 8 M- x+ ]( t! U( C5 l! V# d$ 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)." j4 y4 t9 O' g/ |1 u+ M
, _6 Q; ^' [7 N1 g' vWhat’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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