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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!
: }7 q7 W) t* V2 p! o& J: n. Vmeijuli66 发表于 2009-8-15 23:33  ( e2 Y' N/ C+ G7 k
+ A$ r# m% O! @7 h/ R5 N- ^Variables Get More Competitive9 S! g( x/ U, s" L. u2 n
* t) a. z$ h% F+ S Variable-rate mortgages are inching closer and closer to prime.. G, m) N) H. x7 g6 {# s9 h
9 b: r/ B( p2 q, L8 c! v7 A9 bThis 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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- _8 \8 S0 Z, ?; g# i9 n9 b& z8 SMerix 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.
) h7 Q3 |+ ?+ fYou might ask yourself, “Why would I want a variable term under five years?”
* y$ X' X" T9 I5 U8 c) f* ^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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' [* q3 @0 B# c8 P( f# h I: UWhat’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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