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。

/ [/ n. E' t1 B& d) w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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; b% h5 ?3 S9 h$ b0 q$ u) Z6 ?我会将附件发给斑竹， 让他们粘贴出来。

6 _/ m# c% _2 J' @# L/ C. x下面是该机构的评述：

0 B+ p- K  P. y1 Z3 {1 T“I have compared a mortgage at P-40 (currently 1.85%) to a 5 yr fixed at 4.64%
$ Z4 Q' H/ f3 |6 b# U- ~I factored in increases in prime over the next 24 months. Prime would go up to 5.25%
7 o; n6 P3 u# ?9 [" t" C. aI placed the payments the same for both products (take the P-40 product, but make payments at the 4.64% rate).

Results:
The variable product has net savings of approximately $5,440 over the 5 year term  – even with a 300 BPS increase in prime!!!
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. W! U6 q% I0 V8 GI must state that this sheet is for information purposes only. Accuracy is not guaranteed.
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Thanks”

Phaeton

thank you!~

Luk

Thanks

yuz967

yes, I prefer variable