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。

6 g" L8 S5 D5 e' U5 z4 }4 a6 V6 a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%。

8 ^* V/ N% b$ P我会将附件发给斑竹， 让他们粘贴出来。
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1 S$ a4 N3 V! {/ i& f下面是该机构的评述：
. I; N% v% S: ^. B9 p4 P" ~# ^+ ^
“I have compared a mortgage at P-40 (currently 1.85%) to a 5 yr fixed at 4.64%
' `  j' M" \6 E, O+ |9 F1 LI factored in increases in prime over the next 24 months. Prime would go up to 5.25%
I placed the payments the same for both products (take the P-40 product, but make payments at the 4.64% rate).

Results:
The variable product has net savings of approximately $5,440 over the 5 year term  – even with a 300 BPS increase in prime!!!

! S1 e$ H0 A9 m8 n3 I. a3 I. PI must state that this sheet is for information purposes only. Accuracy is not guaranteed.

) n, w- w! R9 N1 R6 a& ]+ OThanks”

Phaeton

thank you!~

Luk

Thanks

yuz967

yes, I prefer variable