 鲜花( 65)  鸡蛋( 0)
|
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。; A ]+ o7 W0 o; [! {7 G' D
1 U( e' A+ U$ W% M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%。! a6 [/ f6 H( c; o9 Z0 A* c
' p- ~, S3 D& }- Q$ C0 I5 c
我会将附件发给斑竹, 让他们粘贴出来。1 J. a( b% P& i/ j% g Y& L- e' y2 a
5 U$ B2 V! \7 `$ S+ J下面是该机构的评述:; Q# t9 L8 E3 D! a5 m
4 P9 i% X6 |% l“I have compared a mortgage at P-40 (currently 1.85%) to a 5 yr fixed at 4.64%. @2 ]+ b3 j1 _+ g4 ]
I factored in increases in prime over the next 24 months. Prime would go up to 5.25%
3 ~9 k" O C! f! r, @I placed the payments the same for both products (take the P-40 product, but make payments at the 4.64% rate).
$ b2 L! {4 Y6 [/ a0 w, G1 F. `9 Q4 ]' h
Results:
4 Y6 \, o& B4 T: g# BThe variable product has net savings of approximately $5,440 over the 5 year term – even with a 300 BPS increase in prime!!!1 P+ q, ~- S" `$ t( m4 j, c; I
/ u. M' c+ P6 }* U' A% ZI must state that this sheet is for information purposes only. Accuracy is not guaranteed.* I, g% P4 [( ] F
/ A# }) l5 ^$ h z( i, f) N0 JThanks” |
|