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。

- ]0 Z1 x" ^6 X. s; ^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%。
- ]$ c1 p9 n7 p1 z3 m
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：
4 b: @$ H# R; B
“I have compared a mortgage at P-40 (currently 1.85%) to a 5 yr fixed at 4.64%
' B% k; q2 m8 n5 UI factored in increases in prime over the next 24 months. Prime would go up to 5.25%
. I  G9 Y7 q( _+ {3 pI placed the payments the same for both products (take the P-40 product, but make payments at the 4.64% rate).
! O/ {8 J, J! Q
) H6 [& r& m9 }/ o' AResults:
. n: B) Q' w/ Q# ]1 nThe variable product has net savings of approximately $5,440 over the 5 year term  – even with a 300 BPS increase in prime!!!

- R( C, i0 P- m1 B  OI must state that this sheet is for information purposes only. Accuracy is not guaranteed.

5 F# y' S' F2 K; H9 o$ X' `  `Thanks”

Phaeton

thank you!~

Luk

Thanks

yuz967

yes, I prefer variable