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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。/ v( I4 `+ f$ q2 T0 k
+ C' _( i& B; m' J* u2 w4 B0 t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%。
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我会将附件发给斑竹， 让他们粘贴出来。* O1 ^! H) p4 V6 b
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下面是该机构的评述：
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“I have compared a mortgage at P-40 (currently 1.85%) to a 5 yr fixed at 4.64%; n: ]. h# [0 H& C
I factored in increases in prime over the next 24 months. Prime would go up to 5.25% % |( M1 F; d; m2 l
I placed the payments the same for both products (take the P-40 product, but make payments at the 4.64% rate).! P% U, Y3 L* d
9 J$ [; \- o- l, LResults:
6 g4 o1 M. E2 Z; P& { w* WThe variable product has net savings of approximately $5,440 over the 5 year term – even with a 300 BPS increase in prime!!!* ~. M8 T' D+ r1 Q- t% J( n
9 ~2 Y4 V* g3 d% ~0 W: t' ^% BI must state that this sheet is for information purposes only. Accuracy is not guaranteed.
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- m0 S! N" o \$ w0 F3 sThanks” |
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发表于 2010-4-27 10:11
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