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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。5 V5 ]! F' D! l; b0 s* @
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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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) ?$ O: m6 f( G c我会将附件发给斑竹， 让他们粘贴出来。7 _3 j. M; Z9 N% I0 }) N
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下面是该机构的评述：! K* t6 M. [' L, i$ y+ v- |( S" ]
( g# K! l- W) o/ h: {- K' @“I have compared a mortgage at P-40 (currently 1.85%) to a 5 yr fixed at 4.64%$ H z, @/ C1 } B+ @$ l
I factored in increases in prime over the next 24 months. Prime would go up to 5.25%
* L' J; ?1 S3 ]8 NI placed the payments the same for both products (take the P-40 product, but make payments at the 4.64% rate).7 u' z& O" m- N- x; V
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Results: 4 M% N+ u9 o( h, x
The variable product has net savings of approximately $5,440 over the 5 year term – even with a 300 BPS increase in prime!!!( }8 |0 p- S7 T9 G
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I must state that this sheet is for information purposes only. Accuracy is not guaranteed.
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Thanks” |
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发表于 2010-4-27 10:11
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