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。

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。
* x0 J9 }  ?) z5 `8 K' K: o
下面是该机构的评述：
& b( U1 f+ l1 Q3 M* \& h5 R
( i* b$ J/ |3 R. R7 C“I have compared a mortgage at P-40 (currently 1.85%) to a 5 yr fixed at 4.64%
7 {% e; V* j% S' c3 Y8 cI factored in increases in prime over the next 24 months. Prime would go up to 5.25%
! F3 K/ u5 S- b- P! _I placed the payments the same for both products (take the P-40 product, but make payments at the 4.64% rate).
1 B9 L4 r2 f3 h
Results:
1 j+ g* i7 W) j0 R' @5 I9 R5 hThe variable product has net savings of approximately $5,440 over the 5 year term  – even with a 300 BPS increase in prime!!!
6 d1 z( [+ b& {( P
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