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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!/ B: d& p+ ?/ a
meijuli66 发表于 2009-8-15 23:33  ! z4 J( h. s$ ^8 I4 t/ }
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Variables Get More Competitive
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4 Y! G) O$ V, ?; j8 ]2 Y6 G5 s 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.# C! P9 w6 p1 Q5 z o- A
- {, {, @" A3 R3 ?/ x2 I5 L) 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.% ]: C: @, i" b1 k
You might ask yourself, “Why would I want a variable term under five years?” 7 ?3 X3 O7 B- @5 `5 a4 T
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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1 D$ e& H; n0 Q. xWhat’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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