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。

" Q! v3 P- F, Q' o# x# {8 g0 J* j; F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%。
# t& Z! D. h2 s/ E9 z0 a0 x1 j- Z
$ t" C  [. G1 E" z4 T& }; w我会将附件发给斑竹， 让他们粘贴出来。
% t3 ^# J2 _3 a
- E. o: P+ `2 ]3 {下面是该机构的评述：

“I have compared a mortgage at P-40 (currently 1.85%) to a 5 yr fixed at 4.64%
1 P" Z% s! C  Z1 l' j( PI factored in increases in prime over the next 24 months. Prime would go up to 5.25%
' e' B9 n  B) o8 TI placed the payments the same for both products (take the P-40 product, but make payments at the 4.64% rate).

) t" S5 W9 }1 D8 Q- t3 X" F" bResults:
The variable product has net savings of approximately $5,440 over the 5 year term  – even with a 300 BPS increase in prime!!!

' @7 n! t9 u3 n4 ^I must state that this sheet is for information purposes only. Accuracy is not guaranteed.

Thanks”

Phaeton

thank you!~

Luk

Thanks

yuz967

yes, I prefer variable