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。

8 d, ^" s* i8 Q) u0 G7 ?' 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%。
. {# X  V1 b$ _4 l5 K8 l
我会将附件发给斑竹， 让他们粘贴出来。

下面是该机构的评述：

9 ]: E' j1 u( n3 }3 ~“I have compared a mortgage at P-40 (currently 1.85%) to a 5 yr fixed at 4.64%
I factored in increases in prime over the next 24 months. Prime would go up to 5.25%
& P( B9 X* Y9 V6 ]2 v' D0 }# YI 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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7 g5 \+ ~$ o) @5 nResults:
4 m* ^9 m# o+ u9 cThe variable product has net savings of approximately $5,440 over the 5 year term  – even with a 300 BPS increase in prime!!!
0 ~5 J  O5 m- {& {2 a/ c
I must state that this sheet is for information purposes only. Accuracy is not guaranteed.

Thanks”

Phaeton

thank you!~

Luk

Thanks

yuz967

yes, I prefer variable