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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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) \. t/ H( D3 A- H/ w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%。
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我会将附件发给斑竹, 让他们粘贴出来。
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下面是该机构的评述:
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' v9 Q( _( t2 ~“I have compared a mortgage at P-40 (currently 1.85%) to a 5 yr fixed at 4.64%* ] Y, Y" K$ ~2 o7 Y+ E2 u
I factored in increases in prime over the next 24 months. Prime would go up to 5.25%
% a6 {. `$ y- F9 c4 rI placed the payments the same for both products (take the P-40 product, but make payments at the 4.64% rate).
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Results: / S1 Z) @. c1 l' K" q5 K$ B
The variable product has net savings of approximately $5,440 over the 5 year term – even with a 300 BPS increase in prime!!!9 F7 r1 C' N3 Y/ ]8 n4 F
# V2 s# }* b$ n4 Y/ O0 C: N$ j/ nI must state that this sheet is for information purposes only. Accuracy is not guaranteed. L9 L$ q6 N& O4 [2 l; n$ ~) z4 f) \
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Thanks” |
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