 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!0 ~( f1 d8 K7 x9 z# T2 b9 N- v% c9 `
meijuli66 发表于 2009-8-15 23:33 
2 H& l0 }& i. W6 p' F8 o: w9 @" @0 o
Variables Get More Competitive2 p E; p4 T% V& m& @' C: s
$ U& I. V* c7 r1 b
Variable-rate mortgages are inching closer and closer to prime.
) ^, u' j1 Q0 H4 \ ( b0 j* @5 Z# a d
This week we saw a few lenders drop down to prime + 0.15%. Nationwide variable rates haven’t been this low since last fall.
% W" }& h/ G1 ]9 J
" W" g' L m- \ dMerix 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.$ ?& V" r$ p. w% x. u
You might ask yourself, “Why would I want a variable term under five years?”
8 g2 ~8 v; z0 e2 c5 s0 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).
5 E* ]3 b$ Q* }5 i& E$ W6 ~1 y# S$ T
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). |
|