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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!2 Y+ J Z# u* f4 j* W5 k8 |
meijuli66 发表于 2009-8-15 23:33  : Q; E& y, H& W" q# ?
5 [: x' v: T$ p. j4 }. H& s2 N% TVariables Get More Competitive
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3 u( [* A9 x z0 ` 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.
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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.
& O$ z; {+ h& F# MYou might ask yourself, “Why would I want a variable term under five years?”
7 p# u/ a9 B$ ]" r' r' ^- ?* X% MThe 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 S- S% {' R. U! sWhat’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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