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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!9 Y9 X# Y. Q0 e. d& }
meijuli66 发表于 2009-8-15 23:33 
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Variables Get More Competitive5 ~, S# R4 Z2 B$ P
" C2 M5 N o; n- l3 e Variable-rate mortgages are inching closer and closer to prime.% T: k7 [2 G- q1 c) E3 {- P
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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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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.6 w% {: B( S( O4 k8 |2 p" ?
You might ask yourself, “Why would I want a variable term under five years?”
/ K% d* @' ]& b1 p t. R' RThe 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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