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。
7 a% ?  a8 V" |5 x
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%。

" S  D, |, u; Q& Q( F, g5 V3 V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：
8 n0 ]) I# [- E) K- t1 W5 t! m
$ _3 `  v& e& N7 _“I have compared a mortgage at P-40 (currently 1.85%) to a 5 yr fixed at 4.64%
I factored in increases in prime over the next 24 months. Prime would go up to 5.25%
2 D5 _# q  i& q7 ^# J& II placed the payments the same for both products (take the P-40 product, but make payments at the 4.64% rate).

* c( \$ W+ Q& ?6 y3 K* sResults:
' f' I- M7 |$ Y& ]  AThe variable product has net savings of approximately $5,440 over the 5 year term  – even with a 300 BPS increase in prime!!!
' S4 G0 n5 t) ~  e) \0 N
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