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。
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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%。

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%
I placed the payments the same for both products (take the P-40 product, but make payments at the 4.64% rate).

Results:
The variable product has net savings of approximately $5,440 over the 5 year term  – even with a 300 BPS increase in prime!!!

7 D/ w# X2 N' J/ j5 m; o: dI must state that this sheet is for information purposes only. Accuracy is not guaranteed.

* T# I$ Y, Q  s" q. S& HThanks”

Phaeton

thank you!~

Luk

Thanks

yuz967

yes, I prefer variable