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%。

1 d( Z7 [8 h4 B我会将附件发给斑竹， 让他们粘贴出来。
2 H8 t9 v2 F( S
下面是该机构的评述：
* L7 X; v& Q! |& Y' S* {4 u5 D
“I have compared a mortgage at P-40 (currently 1.85%) to a 5 yr fixed at 4.64%
/ ^/ f: t; [; z  U' |I 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).
4 V4 [; v& [4 O' w  u
Results:
; X0 @, v* K6 b6 t: d+ ]The variable product has net savings of approximately $5,440 over the 5 year term  – even with a 300 BPS increase in prime!!!
: b* C  d) L* M# p: Z
I must state that this sheet is for information purposes only. Accuracy is not guaranteed.
' j, l# v# E  c% k; n6 F3 Z8 v
1 _  s' h, h1 [6 P( ^0 \% YThanks”

Phaeton

thank you!~

Luk

Thanks

yuz967

yes, I prefer variable