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The Bank of China has also been here for some years and they are not exactly competitive when it comes to their interest rate policy. Back in the 80's when i was living and mortgage broking in the UK Bear Stearns came out with a 30 Year fixed rate at 4.25%. No other lender have ever...

Dont forget to add an extra 20 bps to that Citi rate for interest only loans.

Citibank 3 year rate 5.99%