ZT -最新的浮动与固定利率的比较图- APRIL 27, 2010

郭森房贷 · 发表于 2010-4-27 10:11

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%。

我会将附件发给斑竹，让他们粘贴出来。

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%
. \3 F5 E1 o; V0 t* xI factored in increases in prime over the next 24 months. Prime would go up to 5.25% % u  ~  }: i1 U0 I5 Q' B
I placed the payments the same for both products (take the P-40 product, but make payments at the 4.64% rate).6 ^6 r8 x8 m, ~6 n
9 Q! Z& T0 U! F( }
Results:
# S7 v$ ?; F1 Z! n! a: \. P2 [The variable product has net savings of approximately $5,440 over the 5 year term  – even with a 300 BPS increase in prime!!!1 z( U8 G. _* {5 A# x( f8 J

6 r: ^  ?' l. R8 h: dI must state that this sheet is for information purposes only. Accuracy is not guaranteed.
8 a: P# T4 S" m1 b0 f8 D+ f3 P
  `3 T6 I- V- J5 I- i# U% tThanks”

Phaeton · 发表于 2010-4-27 18:41

thank you!~

Luk · 发表于 2010-4-28 18:18

Thanks

yuz967 · 发表于 2010-5-2 08:49

yes, I prefer variable

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