ZT -最新的浮动与固定利率的比较图- APRIL 27, 2010

郭森房贷 · 发表于 2010-4-27 10:11

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%。

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：

“I have compared a mortgage at P-40 (currently 1.85%) to a 5 yr fixed at 4.64%
& C( r' Y2 Q  F$ g2 U0 ^I factored in increases in prime over the next 24 months. Prime would go up to 5.25%
3 S0 b; w8 X* b! j  L4 wI placed the payments the same for both products (take the P-40 product, but make payments at the 4.64% rate).* z! L( |, P3 e6 h0 |0 y( }7 [8 {
$ _8 U4 d# k+ D$ Q4 `9 T
Results: . C! b& f0 a- T2 \- b+ I/ w
The variable product has net savings of approximately $5,440 over the 5 year term  – even with a 300 BPS increase in prime!!!  @+ B& a& N$ K" B/ V6 D' N) [6 L

2 ^# E+ f3 @* Y) b( z, CI must state that this sheet is for information purposes only. Accuracy is not guaranteed.
' d6 O( j0 J1 D# d; c: f9 o2 d5 ]4 n$ ]+ t; o# I& a. a) b
Thanks”

Phaeton · 发表于 2010-4-27 18:41

thank you!~

Luk · 发表于 2010-4-28 18:18

Thanks

yuz967 · 发表于 2010-5-2 08:49

yes, I prefer variable

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