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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。! P* ` C/ F5 l) }' @
9 r0 A5 V: Q* d- Q/ C1 a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%。" E/ }3 Q, Z g; ^" C H( H
: ]' y' ?2 N" I; V: F% ^; E我会将附件发给斑竹， 让他们粘贴出来。
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$ U# K* l0 J8 p& f9 B下面是该机构的评述：- M- D; M" Q& l/ C: e
2 a7 H: l f0 ^$ J5 g l“I have compared a mortgage at P-40 (currently 1.85%) to a 5 yr fixed at 4.64%. s! P( E) z. V! K9 N) c9 I3 Z
I factored in increases in prime over the next 24 months. Prime would go up to 5.25% * }* X) W) {7 |" z' a+ W
I placed the payments the same for both products (take the P-40 product, but make payments at the 4.64% rate).9 ?0 d' D. ~& x- N9 F- }0 S% _
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Results: : ]) X8 O- r8 K
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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- k4 E7 R+ |- {: B) o2 _% CI must state that this sheet is for information purposes only. Accuracy is not guaranteed.
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发表于 2010-4-27 10:11
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