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。
; |, t: q; w" l. F0 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%。

我会将附件发给斑竹， 让他们粘贴出来。
$ {7 @# I" k" c5 m1 @6 u3 ^; E; o
下面是该机构的评述：
. K9 f( O- l& B: W) `
“I have compared a mortgage at P-40 (currently 1.85%) to a 5 yr fixed at 4.64%
2 w- R. i# \& i2 b' ]' }/ oI factored in increases in prime over the next 24 months. Prime would go up to 5.25%
I placed the payments the same for both products (take the P-40 product, but make payments at the 4.64% rate).
  n$ n% I, {& P# O% m
Results:
, l( D9 r- H! b- ?- y/ w4 DThe variable product has net savings of approximately $5,440 over the 5 year term  – even with a 300 BPS increase in prime!!!
, P/ {) {1 y$ [) b( ^
I must state that this sheet is for information purposes only. Accuracy is not guaranteed.

Thanks”

Phaeton

thank you!~

Luk

Thanks

yuz967

yes, I prefer variable