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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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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%。! n, f) h7 {3 U% y
* _5 `) X/ L* E( l7 Q" I3 G我会将附件发给斑竹， 让他们粘贴出来。
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% Y) Y" q! i4 \4 S/ Z( ?4 O# [下面是该机构的评述：7 m+ |3 Z+ ?0 P2 [5 {
( V i c7 U# ]. O5 f. x" }5 G“I have compared a mortgage at P-40 (currently 1.85%) to a 5 yr fixed at 4.64%
/ }3 _; h6 g. @9 \+ qI factored in increases in prime over the next 24 months. Prime would go up to 5.25% ; B" r" _0 e$ l# D9 b; B J. G) f$ Y
I placed the payments the same for both products (take the P-40 product, but make payments at the 4.64% rate).5 [6 h! d8 N1 A% I, h
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Results: . \5 [$ O+ e6 h3 [; I
The variable product has net savings of approximately $5,440 over the 5 year term – even with a 300 BPS increase in prime!!!2 |7 r+ d- ?0 p/ F& l
0 U2 I% o5 Z* R) F7 B0 K! G; aI must state that this sheet is for information purposes only. Accuracy is not guaranteed.
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发表于 2010-4-27 10:11
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