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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!0 D; x t1 ^8 O& Y! J, a- L
meijuli66 发表于 2009-8-15 23:33  " w; {+ L/ u. [7 g
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Variables Get More Competitive! Q6 }$ b h+ x9 G4 ]( e# `" X6 r
. w, G+ r. ?+ n" L4 H+ b& D/ N Variable-rate mortgages are inching closer and closer to prime./ W" f( E# ^- A% t" h/ U" ?
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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., y; b; \4 e- r1 e
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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.: A! \& @- {0 J# Z" z1 C/ J
You might ask yourself, “Why would I want a variable term under five years?”
1 G( F _9 S3 i" j E; P! g( ?/ NThe 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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+ e( P. B' M7 D) [+ lWhat’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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