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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。8 D! j9 Z8 e' R. n) C
, F# c/ D Y; s! f5 W; U3 K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%。- d. N/ ]1 @3 x5 ~
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我会将附件发给斑竹， 让他们粘贴出来。8 w1 ^3 s) }4 K6 S& b# d/ J
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下面是该机构的评述：
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“I have compared a mortgage at P-40 (currently 1.85%) to a 5 yr fixed at 4.64%
5 h- D& G0 ]+ g8 _1 I! rI factored in increases in prime over the next 24 months. Prime would go up to 5.25% 9 S( l+ ~( h1 J$ w, o9 ]
I placed the payments the same for both products (take the P-40 product, but make payments at the 4.64% rate).2 m: j l' ^# S+ P4 z
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Results: 4 r" i; p% k- N; s; k( p9 o! J9 g
The variable product has net savings of approximately $5,440 over the 5 year term – even with a 300 BPS increase in prime!!!# I4 M0 P+ P- p' ]# t) f: J2 D( b
8 i3 | \1 h9 k/ ^- o0 R" ^ X0 SI must state that this sheet is for information purposes only. Accuracy is not guaranteed.: ?1 q. B, v& t5 a2 ^: A( W
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Thanks” |
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发表于 2010-4-27 10:11
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