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%。
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# E$ d0 p) n6 l6 W, _6 M6 v% G2 E" ~我会将附件发给斑竹， 让他们粘贴出来。

1 f% w/ ^( O5 ^- h& u, Z1 Y下面是该机构的评述：

4 g% [& v2 `1 y. s% Z“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%
' L, E% i' ^( TI placed the payments the same for both products (take the P-40 product, but make payments at the 4.64% rate).
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9 {' F7 X4 x& R1 w- o7 F6 R6 n4 y: QResults:
0 w. K3 N2 L1 X, T6 l7 P' yThe 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.

1 P2 S1 F$ f, t5 C- U! }Thanks”

Phaeton

thank you!~

Luk

Thanks

yuz967

yes, I prefer variable