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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。
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' W$ q7 t% Y2 F' p& _) u3 i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%。
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我会将附件发给斑竹， 让他们粘贴出来。, x- J8 n6 J' }& u6 N/ ?
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下面是该机构的评述：7 h- H, H; W, t" Z) t5 ]2 e, o# s
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“I have compared a mortgage at P-40 (currently 1.85%) to a 5 yr fixed at 4.64%4 H7 |6 M, J/ ]' T3 u. [1 m
I factored in increases in prime over the next 24 months. Prime would go up to 5.25%
% e+ S0 d5 T) n0 U5 uI placed the payments the same for both products (take the P-40 product, but make payments at the 4.64% rate).$ m! b9 ~6 N( R3 A2 b' O# j
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Results:
% c$ [: X4 a4 Y* S7 y/ v# a& lThe variable product has net savings of approximately $5,440 over the 5 year term – even with a 300 BPS increase in prime!!!4 Y0 `3 r8 m! u( n
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I must state that this sheet is for information purposes only. Accuracy is not guaranteed.3 [ n* v& X- K: u& m. i" H2 Y M$ I+ f3 @
' W& C: C0 _/ U3 e. sThanks” |
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发表于 2010-4-27 10:11
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