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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!& m* {* |7 r9 O% b: S9 H" i0 P. g
meijuli66 发表于 2009-8-15 23:33 
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Variables Get More Competitive" v: p7 b1 i+ C% G7 d4 j4 W
0 O' Y) V" \9 ~5 U" M Variable-rate mortgages are inching closer and closer to prime.' Y, m8 u$ G( q. ]
9 ^) o1 o8 F2 _ Z2 `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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, n. C9 b; G& h% y' FMerix 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.+ E, t% F/ d, I9 y! M- o
You might ask yourself, “Why would I want a variable term under five years?” & }! C8 }4 h$ u2 n# Y$ O8 t X
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).8 I3 t: t% o( P+ }. L6 \1 w
/ ], K$ T7 n. e8 c s# ^/ ]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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