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。
9 p- \5 c+ ]5 I" M- T
9 U; T3 d; R( W( b& @  Q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%。
: l: Q. g$ J1 \. R7 g0 _0 l
* J5 X6 s) }+ f& j% ^, v我会将附件发给斑竹， 让他们粘贴出来。
; e3 \& O2 s: Q7 z! F4 y
下面是该机构的评述：
, H' [9 {' _  [! L' Q3 D
+ _1 x& o5 \4 e; u2 B% F! n“I have compared a mortgage at P-40 (currently 1.85%) to a 5 yr fixed at 4.64%
" a' y7 S4 Y" O7 P) uI factored in increases in prime over the next 24 months. Prime would go up to 5.25%
/ y; u4 s( A4 W; m' U. UI placed the payments the same for both products (take the P-40 product, but make payments at the 4.64% rate).

6 X" u3 p0 Z+ m# i3 C1 \% c# UResults:
! _3 f' p3 i8 }: a% E* uThe variable product has net savings of approximately $5,440 over the 5 year term  – even with a 300 BPS increase in prime!!!

& o5 r' ~1 J) \& n8 qI must state that this sheet is for information purposes only. Accuracy is not guaranteed.
$ h# L9 n1 h) }! I- G" p, b
Thanks”

Phaeton

thank you!~

Luk

Thanks

yuz967

yes, I prefer variable