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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%。8 X/ |3 ]9 n- z3 U8 g
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我会将附件发给斑竹, 让他们粘贴出来。
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9 `& V4 Z+ l$ H8 |* K下面是该机构的评述:
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" V4 |7 t$ s7 z/ t4 Y7 i. X“I have compared a mortgage at P-40 (currently 1.85%) to a 5 yr fixed at 4.64%
( \' n- N0 k$ X) w* c. b$ U. N5 KI factored in increases in prime over the next 24 months. Prime would go up to 5.25% 7 H$ h |; e7 f% B# @- F4 J
I placed the payments the same for both products (take the P-40 product, but make payments at the 4.64% rate).( i+ t- @1 \, m0 ]9 v& ?
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Results: $ j! M, L7 b( z* s
The variable product has net savings of approximately $5,440 over the 5 year term – even with a 300 BPS increase in prime!!!6 q4 D u& u+ \0 G* ]. T, R5 x
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I must state that this sheet is for information purposes only. Accuracy is not guaranteed.! ^. h8 ^* u' J4 x Q# k2 f
& a! k6 R4 b# {Thanks” |
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