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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。# y6 \) @0 {8 ^* L
( R! m# g5 f) B! v6 p- n0 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%。
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4 m) b2 P- n! A0 | {! J% r* Z3 z我会将附件发给斑竹， 让他们粘贴出来。( t; N6 Z8 F3 N
' a; g# t4 G% ]$ y7 n, A下面是该机构的评述：
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“I have compared a mortgage at P-40 (currently 1.85%) to a 5 yr fixed at 4.64% z; K% w* }' A: ~1 c/ L- T. W! m
I factored in increases in prime over the next 24 months. Prime would go up to 5.25%
: ^$ y3 u! m) W- u7 t0 sI 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: + o9 g/ e7 |' [2 g% C* G
The variable product has net savings of approximately $5,440 over the 5 year term – even with a 300 BPS increase in prime!!!
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I must state that this sheet is for information purposes only. Accuracy is not guaranteed. R/ \" @9 m y- A3 c5 B2 k+ U1 Y/ n9 I
( Q0 z& J- Z* ^7 |4 `( b5 U# K0 w6 zThanks” |
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发表于 2010-4-27 10:11
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