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。
) _: y2 A4 Y2 n8 N, j/ n; U
) T3 m9 X( n& g4 u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%。
9 D/ F0 K4 @  F$ J7 S$ y4 X
我会将附件发给斑竹， 让他们粘贴出来。
: n' }. t4 M; k
下面是该机构的评述：
) M0 k7 W. k* V5 R! H" ]6 X
: ]# b6 m/ R9 [: R; i“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%
I placed the payments the same for both products (take the P-40 product, but make payments at the 4.64% rate).
. `7 g9 O7 E' E) b9 R6 a  i/ E
3 e/ Z$ T3 A( o% x$ A6 Q( ZResults:
2 M2 f% ~& @. G$ eThe variable product has net savings of approximately $5,440 over the 5 year term  – even with a 300 BPS increase in prime!!!

+ r' W8 ]1 l- u! }I must state that this sheet is for information purposes only. Accuracy is not guaranteed.

* v5 J+ `% a4 b4 m+ i+ y; \Thanks”

Phaeton

thank you!~

Luk

Thanks

yuz967

yes, I prefer variable