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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!( a0 d; U" D3 b
meijuli66 发表于 2009-8-15 23:33  2 g. g5 F& H8 w5 K
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Variables Get More Competitive4 O& E. X2 A2 J
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Variable-rate mortgages are inching closer and closer to prime.; H3 Q! m2 o' }3 F5 U, n
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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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* c- n; K( |% R7 y, \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.' I9 P' E! D/ d4 K6 I
You might ask yourself, “Why would I want a variable term under five years?”
: V9 \; L. h/ t2 e8 FThe 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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" O4 r9 O; U, d! x% D) b& B0 E( nWhat’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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