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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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- J+ J) i9 P( O- w# p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%。, `+ k1 d7 e2 d
0 _2 ]" b2 i) k& }* z; w2 C我会将附件发给斑竹， 让他们粘贴出来。
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下面是该机构的评述：& @2 n0 P: e( _9 s- E { T
. n8 C8 j& a; s+ o% q$ g“I have compared a mortgage at P-40 (currently 1.85%) to a 5 yr fixed at 4.64%7 ~/ s% d& |6 c( Y q, b4 x2 S
I factored in increases in prime over the next 24 months. Prime would go up to 5.25% : g0 C% y3 A A% h& u$ s5 D
I placed the payments the same for both products (take the P-40 product, but make payments at the 4.64% rate).( A, A% z* x% x1 p( s1 A
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Results: 8 p- L5 L a1 S, s- O% p
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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' w1 [' u9 S4 a6 |" \: kI must state that this sheet is for information purposes only. Accuracy is not guaranteed.# U) s2 q5 D7 x
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发表于 2010-4-27 10:11
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