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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!: ? h9 U m2 q
meijuli66 发表于 2009-8-15 23:33 
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8 Z" a6 {8 b' ]5 O- f5 O \Variables Get More Competitive
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3 G8 w ?) c, g' K& | Variable-rate mortgages are inching closer and closer to prime.* ?' ?: [; i" m6 e6 A# f
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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.6 d6 o5 q; {* c2 o/ z8 ~1 O* m
4 n# G+ |# U, J0 n+ N6 }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.
# O1 X$ X% [( o+ H6 F% pYou might ask yourself, “Why would I want a variable term under five years?”
6 n2 C9 e# X, {: BThe 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).9 r& H; v* J* a* T6 Q: x1 w
5 m& U: l( R+ S$ ZWhat’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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