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。
* V7 X7 D" \* b; [8 G
' a! [3 N4 k+ ~* ?# X! ^, h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%。

: j- B/ g2 V9 M- E5 D% f+ S# d/ `我会将附件发给斑竹， 让他们粘贴出来。

1 _3 e/ Q+ {6 g7 x4 U) f下面是该机构的评述：
3 ?5 N4 D/ j& \& Z, K
“I have compared a mortgage at P-40 (currently 1.85%) to a 5 yr fixed at 4.64%
5 R, F) D6 A9 m) b1 CI factored in increases in prime over the next 24 months. Prime would go up to 5.25%
6 S! s, V( Q4 z1 U+ i1 U+ d  mI placed the payments the same for both products (take the P-40 product, but make payments at the 4.64% rate).

- p% V! Y# g6 Q9 Z/ gResults:
The variable product has net savings of approximately $5,440 over the 5 year term  – even with a 300 BPS increase in prime!!!
4 N8 j3 g9 |( ?0 g' ^% N
4 k0 D8 D8 x, v* zI must state that this sheet is for information purposes only. Accuracy is not guaranteed.
6 c  c, i) y4 e+ J% ?
Thanks”

Phaeton

thank you!~

Luk

Thanks

yuz967

yes, I prefer variable