ZT -最新的浮动与固定利率的比较图- APRIL 27, 2010

郭森房贷

很多朋友对上次贴出的比较图感兴趣， 现在该机构又更新了比较图， 对正在为利率的选择发愁的朋友， 无疑是一个很好的参考资料。

+ I7 _3 }: y6 E固定利率再次攀升， 让购房者更倾向于选择相对较低的浮动利率。 四月十九日实施的房贷新政策， 即使客人选择浮动利率， 贷款机构也会按当周的贷款基准利率计算其贷款资格。 本周的基准评核利率是6.10%。

2 y+ G8 z6 j2 `+ p我会将附件发给斑竹， 让他们粘贴出来。

9 J) Q+ q! R# C: W7 b6 P4 d( t9 l下面是该机构的评述：

“I have compared a mortgage at P-40 (currently 1.85%) to a 5 yr fixed at 4.64%
I factored in increases in prime over the next 24 months. Prime would go up to 5.25%
0 N$ z4 e7 J  j7 @) @# jI placed the payments the same for both products (take the P-40 product, but make payments at the 4.64% rate).

7 k1 F9 r4 N/ F+ |Results:
The variable product has net savings of approximately $5,440 over the 5 year term  – even with a 300 BPS increase in prime!!!
% o0 P, C7 y6 M  H) W# Z
5 Z9 }0 x/ U. Q. j/ N0 s" b# ?I must state that this sheet is for information purposes only. Accuracy is not guaranteed.
6 A: x, O4 o* E+ a. L3 n
; q1 I) O, S/ k1 Q! _, d0 oThanks”

Phaeton

thank you!~

Luk

Thanks

yuz967

yes, I prefer variable