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。
. B3 `/ H& d: q# w8 l3 J/ k" f
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%。
4 M! a# d7 C  j  F$ b/ [
我会将附件发给斑竹， 让他们粘贴出来。
9 a& }4 b0 L1 k9 S
4 f: u, B; \. B7 J" D$ K$ I下面是该机构的评述：

2 P. h# Y9 g7 p8 A“I have compared a mortgage at P-40 (currently 1.85%) to a 5 yr fixed at 4.64%
0 N2 _+ e* P+ ^: [2 d; LI 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).
: D9 h- [9 a+ h% r. ^0 w
Results:
- y0 Z; J3 R: UThe 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.
, d4 f4 A+ Y4 }- k: \3 Q
8 U5 X$ B' l! |4 `0 _3 T1 S) d. JThanks”

Phaeton

thank you!~

Luk

Thanks

yuz967

yes, I prefer variable