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。

* x/ q7 a5 m0 d, [1 X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%。
, c, ^5 Q5 G0 Z% Q
8 c' m2 k3 y: C. d. t- p8 z0 X我会将附件发给斑竹， 让他们粘贴出来。

1 [& G; _; p* l3 a9 ?; D& ?& u下面是该机构的评述：
/ H" ]) e# U3 u( l. J7 m
. s3 B# b  ?8 V1 \9 t“I have compared a mortgage at P-40 (currently 1.85%) to a 5 yr fixed at 4.64%
I 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).

; O) Z0 ?1 C  J& J0 |* BResults:
The variable product has net savings of approximately $5,440 over the 5 year term  – even with a 300 BPS increase in prime!!!

/ H- a2 ~. Y4 `8 P2 a* s+ oI must state that this sheet is for information purposes only. Accuracy is not guaranteed.

Thanks”

Phaeton

thank you!~

Luk

Thanks

yuz967

yes, I prefer variable