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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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) Q3 I: k: m* }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%。6 g" @/ x6 N; f7 q3 f! q5 n
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我会将附件发给斑竹， 让他们粘贴出来。2 B" c) T. h0 E, u n5 C# J
0 L# a) C) l( K/ J下面是该机构的评述：
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& p/ d$ w4 e# Q/ O“I have compared a mortgage at P-40 (currently 1.85%) to a 5 yr fixed at 4.64%
& \# z6 A3 w5 {5 Q, Q; UI factored in increases in prime over the next 24 months. Prime would go up to 5.25% 2 \% ^5 F7 ^/ B& ?1 l2 s6 ^
I placed the payments the same for both products (take the P-40 product, but make payments at the 4.64% rate).% o6 G' C+ f+ M( {' j. }* a5 K, C
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Results: % e2 |1 I7 s3 }" m# N" F
The variable product has net savings of approximately $5,440 over the 5 year term – even with a 300 BPS increase in prime!!!4 F% v$ d1 r; ~5 _, |- M) R
- G, Q4 p# Q, ~# ]5 ~# lI must state that this sheet is for information purposes only. Accuracy is not guaranteed.6 w3 k% o7 P/ M+ d- E& i( a
; x6 ^# F0 `% w& P9 tThanks” |
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发表于 2010-4-27 10:11
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