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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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' Q. n2 R H9 r$ Y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%。- R& r2 ]! R% s: J2 X! v, ?3 P
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我会将附件发给斑竹， 让他们粘贴出来。6 ^+ ]. |' x$ |5 l/ ~9 ~- K
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下面是该机构的评述：8 h" a: _6 Q( q4 b8 X/ W! ^1 n: y
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“I have compared a mortgage at P-40 (currently 1.85%) to a 5 yr fixed at 4.64%& x1 B' e, W5 z1 j" D
I factored in increases in prime over the next 24 months. Prime would go up to 5.25% / a7 W" x7 u4 v) J7 o0 K
I placed the payments the same for both products (take the P-40 product, but make payments at the 4.64% rate).3 |8 |1 O; H, ?: j$ |
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Results: : @/ s; H% I' m7 p2 `" V
The variable product has net savings of approximately $5,440 over the 5 year term – even with a 300 BPS increase in prime!!!% [, i+ @4 C( J4 S$ N7 Z) N
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I must state that this sheet is for information purposes only. Accuracy is not guaranteed.5 o* _% M f. B; n" k8 B
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发表于 2010-4-27 10:11
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