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。

% r5 q  E4 C8 @, ^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%。

) Q+ ^: T1 u5 d$ U/ j9 i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：

9 A8 Z6 l- Y6 F- J8 |: c+ D% a“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%
3 \$ @# B' x8 V2 x9 nI placed the payments the same for both products (take the P-40 product, but make payments at the 4.64% rate).
" E8 H0 w% L8 c) f0 L/ h1 x
Results:
The variable product has net savings of approximately $5,440 over the 5 year term  – even with a 300 BPS increase in prime!!!

I must state that this sheet is for information purposes only. Accuracy is not guaranteed.
2 g7 {" m& G+ g, d
Thanks”

Phaeton

thank you!~

Luk

Thanks

yuz967

yes, I prefer variable