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。' y* J& L0 u5 @$ i4 M' O
! V5 `- E1 T' j1 X+ T c
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%。, D* x4 K% V1 i4 S( T8 z& t
4 s2 v% J$ j: _* O6 ?我会将附件发给斑竹, 让他们粘贴出来。* x& e0 y; t. g9 |
* e- [ x: t# B
下面是该机构的评述: $ ?; f% W+ N5 G5 _ l$ A5 W+ D7 y+ ]$ f, P/ `6 N7 L “I have compared a mortgage at P-40 (currently 1.85%) to a 5 yr fixed at 4.64%) g# h3 }* t& _! p! w2 I8 D
I factored in increases in prime over the next 24 months. Prime would go up to 5.25% + _3 H1 t1 `. {* x& V$ d+ OI placed the payments the same for both products (take the P-40 product, but make payments at the 4.64% rate). ' U6 S) u" o; g& }! }6 z: K/ ~ o* ^9 C# @+ F$ b& I/ u$ k# G' SResults: v' R8 ?- N+ |7 R* F6 a/ ?
The variable product has net savings of approximately $5,440 over the 5 year term – even with a 300 BPS increase in prime!!! " G/ W5 P) B5 v: P) ^& D" A5 f( H/ j% P
I must state that this sheet is for information purposes only. Accuracy is not guaranteed.* |. n" J3 g1 W4 C7 f
( ]5 }" m( g' C; t6 X) ~' b' g
Thanks”