 鲜花( 115)  鸡蛋( 0)
|

楼主 |
发表于 2009-8-16 13:13
|
显示全部楼层
请问哪些银行可以提供5年浮动的prime+0.3%? 多谢!, i1 F/ f& p, a- g
meijuli66 发表于 2009-8-15 23:33 
. t$ g) m- |6 [5 g0 l/ r, }. H- _5 R# W. o$ K X' Y
Variables Get More Competitive0 u, U4 ^; c) q) l
2 `; k, a0 u1 Y1 K
Variable-rate mortgages are inching closer and closer to prime.3 k; k: h; N% e
) u5 }) f5 y6 \
This week we saw a few lenders drop down to prime + 0.15%. Nationwide variable rates haven’t been this low since last fall.
: H: M$ p* Q1 D1 h; I
3 R* I/ P! `, r5 u) GMerix 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.
% K2 z x1 D% d D4 [( ^& IYou might ask yourself, “Why would I want a variable term under five years?” 7 c/ D0 y: o$ { J5 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).
. ~* z; y- m3 s) R3 R
7 C( ~: `* A, G) g/ e4 I# 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). |
|