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。

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%。

我会将附件发给斑竹， 让他们粘贴出来。
% b) v' Q7 f& n$ e; |
2 V2 n8 @9 \" \, O' R下面是该机构的评述：

' u$ @8 \- |  \* N9 e" O4 ]7 c“I have compared a mortgage at P-40 (currently 1.85%) to a 5 yr fixed at 4.64%
% G4 v  d8 b- @2 A3 A1 M9 i5 VI 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).

' v) C- g1 p8 L; O3 [4 J, VResults:
/ [8 w( Z5 j: i; cThe variable product has net savings of approximately $5,440 over the 5 year term  – even with a 300 BPS increase in prime!!!

7 x: |+ J' q) `  e9 m; Q9 BI must state that this sheet is for information purposes only. Accuracy is not guaranteed.

8 `* g5 J  J% e2 v) nThanks”

Phaeton

thank you!~

Luk

Thanks

yuz967

yes, I prefer variable