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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!
0 S4 |1 r. [3 [1 qmeijuli66 发表于 2009-8-15 23:33 
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# n6 M8 n; c* I3 sVariables Get More Competitive
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( U/ s: q- q/ b/ b Variable-rate mortgages are inching closer and closer to prime.
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6 O1 R! [; Y5 W9 w% `This 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.
. w' o9 _. A* g. R5 DYou might ask yourself, “Why would I want a variable term under five years?” 6 }7 v! ]; r2 e- R9 i" C1 v! r: h1 q
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)./ u: l/ G! D D3 ?; H% o# C: G
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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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