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。# L0 O' o# z. i) G R
T# Y8 G$ f& ]! S) w0 z
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%。 7 R+ s" q7 F" _5 c 6 h! y! r. d. A我会将附件发给斑竹， 让他们粘贴出来。 ' s. D6 p4 E1 X/ D9 d; s 9 S2 {% v% l k# ]% `4 Z* n. i2 m下面是该机构的评述： & Z/ @/ }# g! X2 g , e; V+ e% a. Q. Q) ]“I have compared a mortgage at P-40 (currently 1.85%) to a 5 yr fixed at 4.64%' @1 A" z8 b; Y1 S2 t' F: K5 h% O
I factored in increases in prime over the next 24 months. Prime would go up to 5.25% 4 @; T3 q. ] {. VI placed the payments the same for both products (take the P-40 product, but make payments at the 4.64% rate). 6 G& ]" P1 n3 T" f2 d/ L% T) H/ r4 b" {; v
Results: & X+ Q2 w% |4 @: l2 z! g. rThe variable product has net savings of approximately $5,440 over the 5 year term – even with a 300 BPS increase in prime!!! Q/ |2 Q) e4 I* X0 n9 T7 Q
' X1 f/ W9 r& ?1 FI must state that this sheet is for information purposes only. Accuracy is not guaranteed. % X1 e' ]- i3 e% h& N7 B* m9 F3 i# Y" m3 e
Thanks”
狗仔卡
鲜花(
鸡蛋(
发表于 2010-4-27 10:11
提升卡
置顶卡
沉默卡
喧嚣卡
变色卡
显身卡
