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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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5 q5 z1 H! h& \* x3 @6 ?$ I, g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%。4 m+ {( `# G* F/ _5 L! T
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我会将附件发给斑竹, 让他们粘贴出来。
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- Q2 ~3 X. u" h9 d w4 w$ A F) h下面是该机构的评述:
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% I" q! R' Q# q3 s# D J7 H/ l) Q“I have compared a mortgage at P-40 (currently 1.85%) to a 5 yr fixed at 4.64%
; A6 D1 `# `2 P% M4 ]6 VI factored in increases in prime over the next 24 months. Prime would go up to 5.25% 3 F) ~8 I$ O& V r9 H6 j
I placed the payments the same for both products (take the P-40 product, but make payments at the 4.64% rate).5 {" x! h5 b. _. r
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Results: * r9 f0 X% z) t2 C6 R
The variable product has net savings of approximately $5,440 over the 5 year term – even with a 300 BPS increase in prime!!!% _* J: y# ~7 k) {
7 D/ w# X2 N' J/ j5 m; o: dI must state that this sheet is for information purposes only. Accuracy is not guaranteed.( N, ?; {: A1 Z9 k
* T# I$ Y, Q s" q. S& HThanks” |
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