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%。

8 O$ s' E( |# S1 o; z8 P3 r9 o我会将附件发给斑竹， 让他们粘贴出来。

下面是该机构的评述：
' r2 Z# d$ k& p
8 m, i- ?, k$ y* n“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%
' [* E6 D' T9 O, Z! e$ wI placed the payments the same for both products (take the P-40 product, but make payments at the 4.64% rate).
7 Y1 `2 J# B9 j) _5 }; I
Results:
. B, B  S5 O* _The variable product has net savings of approximately $5,440 over the 5 year term  – even with a 300 BPS increase in prime!!!
/ }6 S( t+ W. v/ K2 f& a
# Y' {. F# m$ ^0 d2 G: ZI must state that this sheet is for information purposes only. Accuracy is not guaranteed.
% U' f6 ]: |8 D& t9 y1 u
Thanks”

Phaeton

thank you!~

Luk

Thanks

yuz967

yes, I prefer variable