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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。( X) k# P: v8 s4 x! W
; D: [6 a6 j9 W5 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%。, D$ j9 u8 M( R- f- H8 l
5 o# ?4 X' H) Q# O我会将附件发给斑竹， 让他们粘贴出来。8 G' @. U6 }& G' [1 ^0 f
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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%1 d2 ]2 p" k1 m& {3 B# e: |- A
I factored in increases in prime over the next 24 months. Prime would go up to 5.25% 3 O1 q% p% M5 X- r
I placed the payments the same for both products (take the P-40 product, but make payments at the 4.64% rate).' g- ~ F$ ]" w# m7 t# r0 q: d
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Results: ) K: S$ l- n1 M6 \
The variable product has net savings of approximately $5,440 over the 5 year term – even with a 300 BPS increase in prime!!!; }7 b; o" _2 k2 Z+ S* `! v# \" {
& J, Z- d9 @! W: O7 {8 ]" GI must state that this sheet is for information purposes only. Accuracy is not guaranteed.
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8 T! Z& w& C9 [8 C1 |. t- B" DThanks” |
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发表于 2010-4-27 10:11
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