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。 " X: n. a4 m9 q* V( N 0 q: E {* S [" x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 Q6 O' O. C* L" x# f ' U" e, x @0 b我会将附件发给斑竹， 让他们粘贴出来。8 `) l- G* T" I: t$ P: }
' p- g) ?* _: d% e: p% c下面是该机构的评述： - h6 w0 f# I1 P B" ~4 K: ~0 g( B7 \$ n# U “I have compared a mortgage at P-40 (currently 1.85%) to a 5 yr fixed at 4.64% 7 K) E- u" ^9 W% C) [ U7 TI factored in increases in prime over the next 24 months. Prime would go up to 5.25% / H4 w3 D; Y* j$ X0 K: x/ h" C. W
I placed the payments the same for both products (take the P-40 product, but make payments at the 4.64% rate).+ K% Z) W& `4 H3 _6 ~* }% s7 `8 C
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Results: & w+ O& o$ f9 i5 M5 _The variable product has net savings of approximately $5,440 over the 5 year term – even with a 300 BPS increase in prime!!! 2 G$ W$ d6 ?* }% r9 A! w- v/ A7 |6 c# t |% \! ~$ K9 c- p) ?& O
I must state that this sheet is for information purposes only. Accuracy is not guaranteed. , h9 T9 _( d6 C( M7 U' M9 f0 l2 C& ]9 C1 u9 o' n
Thanks”
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发表于 2010-4-27 10:11
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