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。
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9 E, Z8 V- X' o* X' G; O7 Q4 b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%。

: v% Z6 o# V8 F  c5 a: I我会将附件发给斑竹， 让他们粘贴出来。

- \5 D! c9 u5 n/ N. ^$ I9 w  W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%
( ~/ v7 r- O8 n0 }; ~, K5 p) |4 YI factored in increases in prime over the next 24 months. Prime would go up to 5.25%
2 v4 z3 i, x! \- @6 ?7 D5 C0 ?I 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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1 g% [- |& A$ j# e9 N2 w; PResults:
- h: v- M' O! R+ z# O, c! pThe variable product has net savings of approximately $5,440 over the 5 year term  – even with a 300 BPS increase in prime!!!

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