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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。
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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%。
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0 E) y" Z- R7 Q7 H! C我会将附件发给斑竹， 让他们粘贴出来。' m5 p1 {- S. D4 {( ]5 k) |7 E
0 u9 Y7 d0 k. u( r下面是该机构的评述：
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4 e1 n5 K: S, n% z; _“I have compared a mortgage at P-40 (currently 1.85%) to a 5 yr fixed at 4.64%
% Q8 M0 {! A. o# M* }I factored in increases in prime over the next 24 months. Prime would go up to 5.25% # ~* {3 ^8 `3 l- P# @
I placed the payments the same for both products (take the P-40 product, but make payments at the 4.64% rate).7 F, e+ E3 p& \
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Results: ! i# ^, ]9 q! b: n: i2 C+ X
The variable product has net savings of approximately $5,440 over the 5 year term – even with a 300 BPS increase in prime!!!
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; e; V: A3 E$ w8 sI must state that this sheet is for information purposes only. Accuracy is not guaranteed.
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' _5 h' i: h0 Y) q$ `9 T" f7 IThanks” |
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发表于 2010-4-27 10:11
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