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。

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%。

! s, n3 H, n& N我会将附件发给斑竹， 让他们粘贴出来。

2 W9 g, h5 q3 s7 E, D3 ?( c下面是该机构的评述：
) E+ [6 r6 u( {6 s$ C7 Z# b8 ~
, J2 z* q8 ^7 ~  a/ V- ?  m% m, U“I have compared a mortgage at P-40 (currently 1.85%) to a 5 yr fixed at 4.64%
) U" j$ i" W) TI factored in increases in prime over the next 24 months. Prime would go up to 5.25%
I placed the payments the same for both products (take the P-40 product, but make payments at the 4.64% rate).
0 L' U6 c  w. J% u7 E7 W, P
Results:
; b1 H- v" e+ L4 y5 y3 E' RThe variable product has net savings of approximately $5,440 over the 5 year term  – even with a 300 BPS increase in prime!!!

I must state that this sheet is for information purposes only. Accuracy is not guaranteed.

Thanks”

Phaeton

thank you!~

Luk

Thanks

yuz967

yes, I prefer variable