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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。/ A L, r. E! ]
8 f7 A9 W+ a4 ?* S- V3 v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%。
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我会将附件发给斑竹, 让他们粘贴出来。
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下面是该机构的评述:2 Y3 Q% e: G9 _8 J
/ v( u! \% S* l8 [0 {“I have compared a mortgage at P-40 (currently 1.85%) to a 5 yr fixed at 4.64%
5 r8 _: N6 v7 g' nI factored in increases in prime over the next 24 months. Prime would go up to 5.25% ( ?( ^9 c2 s) E& o
I placed the payments the same for both products (take the P-40 product, but make payments at the 4.64% rate).0 u; v: {5 `2 A) b7 Q
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Results:
- _- N2 l/ f3 [9 A6 k' lThe variable product has net savings of approximately $5,440 over the 5 year term – even with a 300 BPS increase in prime!!!! o6 F0 l1 v/ }' x/ U
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I must state that this sheet is for information purposes only. Accuracy is not guaranteed.
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: l; a1 ], f e g" R4 OThanks” |
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