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。

. o1 _" k, |. _1 V8 }3 V+ Z8 o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。
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1 z4 A. ~7 @. S6 R8 r3 I下面是该机构的评述：

9 ^  V* s/ D, u: L" @  B" {“I have compared a mortgage at P-40 (currently 1.85%) to a 5 yr fixed at 4.64%
( b5 R" W8 E& a) A2 h1 j$ [. qI factored in increases in prime over the next 24 months. Prime would go up to 5.25%
% {4 l% t# d4 k8 P% S3 d0 G0 ]5 }I placed the payments the same for both products (take the P-40 product, but make payments at the 4.64% rate).
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# K7 X: [$ Z1 g$ }4 @6 ~Results:
: G# C) Z2 p4 x2 s. v0 J) vThe variable product has net savings of approximately $5,440 over the 5 year term  – even with a 300 BPS increase in prime!!!

2 n$ F! b, O( j( g+ H7 ?9 V0 qI must state that this sheet is for information purposes only. Accuracy is not guaranteed.

" z9 }7 j2 h* t( DThanks”

Phaeton

thank you!~

Luk

Thanks

yuz967

yes, I prefer variable