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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!
( F% T o$ F7 w1 U% \$ X0 d# K5 Xmeijuli66 发表于 2009-8-15 23:33  1 D: K/ y3 D: Y C$ [' j4 {3 Q
6 M, Q( s; Y1 Z+ }) z* \% V# CVariables Get More Competitive
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Variable-rate mortgages are inching closer and closer to prime.
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4 i# O6 I# Q0 S4 L+ q \This week we saw a few lenders drop down to prime + 0.15%. Nationwide variable rates haven’t been this low since last fall.7 N, N# I) D' r; e) f3 d, W6 G
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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.4 e9 F) a' O# D; r) C+ m
You might ask yourself, “Why would I want a variable term under five years?”
' Z' ^2 B B' |% s7 AThe 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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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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