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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!
! D0 U+ g; q+ p& p; b j* y. gmeijuli66 发表于 2009-8-15 23:33  8 ?' _' q B$ N0 d
z' W9 e0 t4 x8 cVariables Get More Competitive
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, }7 J! i- R$ F; Y# D9 B Variable-rate mortgages are inching closer and closer to prime. j+ }3 z' s8 E* h' m
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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.
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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." Z, N- b+ {8 ? u* X
You might ask yourself, “Why would I want a variable term under five years?” ' r6 T3 m, ]9 A9 X+ z$ ^
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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) ~; J% g. ^: D2 S7 FWhat’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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