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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。& @* |4 S+ U3 ~& t. m0 N$ l
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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%。( [4 J! p. _$ y! ?8 c& \+ Z
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我会将附件发给斑竹， 让他们粘贴出来。( @* {- T: z5 ]' E9 m
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下面是该机构的评述：
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l; P: s6 E T d) q' b9 L“I have compared a mortgage at P-40 (currently 1.85%) to a 5 yr fixed at 4.64%# ?8 n' u8 Z! c) M: Q
I factored in increases in prime over the next 24 months. Prime would go up to 5.25% ! C/ ] G/ f0 A* S8 o
I placed the payments the same for both products (take the P-40 product, but make payments at the 4.64% rate).5 o' O* W' \: e3 G8 o8 p0 ^* V j
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Results:
# _ o& }, `' N7 `1 n# SThe 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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I must state that this sheet is for information purposes only. Accuracy is not guaranteed.
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Thanks” |
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发表于 2010-4-27 10:11
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