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。 , j. `+ k k% P0 m/ u$ U' x6 V+ R& [ & W- P4 `' H# h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%。- V+ m8 T5 T( z4 n" r a
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我会将附件发给斑竹， 让他们粘贴出来。 w9 K& O5 ^" Z4 E9 C/ K% b# m
3 o; g% U$ N/ x: M7 u下面是该机构的评述：; h+ h* W1 o/ J p5 W7 O' z
& m( C0 K8 W- q6 V$ S" p" Y “I have compared a mortgage at P-40 (currently 1.85%) to a 5 yr fixed at 4.64%) j) j. l. j$ C! Y9 `) L# K
I factored in increases in prime over the next 24 months. Prime would go up to 5.25% + ]% I3 x7 x+ WI placed the payments the same for both products (take the P-40 product, but make payments at the 4.64% rate). 0 ?( [/ v2 `7 r8 ~9 Q$ ]6 ` ! D1 K) a4 P7 l& `" C6 b5 }2 m1 fResults: ) j/ r& r& i" n0 ]" W* Y \2 U- L
The variable product has net savings of approximately $5,440 over the 5 year term – even with a 300 BPS increase in prime!!! 5 O: N. H/ g2 b/ [4 i! z% X \" ?& j! K- k0 I0 @# B! {I must state that this sheet is for information purposes only. Accuracy is not guaranteed.2 z) H* W# s$ x Y
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Thanks”
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发表于 2010-4-27 10:11
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