ZT -最新的浮动与固定利率的比较图- APRIL 27, 2010

郭森房贷 · 发表于 2010-4-27 10:11

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。

下面是该机构的评述：

“I have compared a mortgage at P-40 (currently 1.85%) to a 5 yr fixed at 4.64%
, T( M& N, N: t( d1 m# X; eI factored in increases in prime over the next 24 months. Prime would go up to 5.25% ) x/ ~1 v, e, S* t+ X# G+ }
I placed the payments the same for both products (take the P-40 product, but make payments at the 4.64% rate).( {9 o, F# G: e, T  ^3 m: ]
0 \7 Q# {+ w! l  Z' j
Results: ; I( ]/ N: Y/ ^9 |" ~$ e, Z
The variable product has net savings of approximately $5,440 over the 5 year term  – even with a 300 BPS increase in prime!!!9 Z- M' z1 V+ ]; X$ y+ P
, f6 B. x6 v0 f; E+ @
I must state that this sheet is for information purposes only. Accuracy is not guaranteed./ P  f, r) ?- b6 g+ L
5 a. p2 W- F$ e# ~$ `
Thanks”

Phaeton · 发表于 2010-4-27 18:41

thank you!~

Luk · 发表于 2010-4-28 18:18

Thanks

yuz967 · 发表于 2010-5-2 08:49

yes, I prefer variable

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