 鲜花( 65)  鸡蛋( 0)
|
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。
7 a% ? a8 V" |5 x4 b* M5 M- X* Y' r' |7 D
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%。9 R, Y/ @1 {! ]
" S D, |, u; Q& Q( F, g5 V3 V我会将附件发给斑竹, 让他们粘贴出来。" T5 v7 d. Y$ r+ ~, f) ]& K9 |4 d
/ F8 B- T% l# t; |
下面是该机构的评述:
8 n0 ]) I# [- E) K- t1 W5 t! m
$ _3 ` v& e& N7 _“I have compared a mortgage at P-40 (currently 1.85%) to a 5 yr fixed at 4.64%& v9 D. r* b# @6 G
I factored in increases in prime over the next 24 months. Prime would go up to 5.25%
2 D5 _# q i& q7 ^# J& II placed the payments the same for both products (take the P-40 product, but make payments at the 4.64% rate).% k7 D- q- F* T
* c( \$ W+ Q& ?6 y3 K* sResults:
' f' I- M7 |$ Y& ] AThe variable product has net savings of approximately $5,440 over the 5 year term – even with a 300 BPS increase in prime!!!
' S4 G0 n5 t) ~ e) \0 N! I+ p9 ], v0 O! \5 g# M1 l
I must state that this sheet is for information purposes only. Accuracy is not guaranteed.) ]8 \/ ?2 Y. C- k+ D }+ f
! t% ]& g2 W9 K% p& p
Thanks” |
|