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。

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%。

# E& H" C% M7 W) \我会将附件发给斑竹， 让他们粘贴出来。

  l9 J# e- |9 x/ r4 F9 O4 S下面是该机构的评述：
+ u" u. o* [! m& R% `% u  a% X7 ^4 P# N9 V
. h" C* L1 q# \- y- ]' v$ {6 @“I have compared a mortgage at P-40 (currently 1.85%) to a 5 yr fixed at 4.64%
I factored in increases in prime over the next 24 months. Prime would go up to 5.25%
I placed the payments the same for both products (take the P-40 product, but make payments at the 4.64% rate).
# {; p! C$ G8 v2 L. A$ R
Results:
The variable product has net savings of approximately $5,440 over the 5 year term  – even with a 300 BPS increase in prime!!!
7 x. \  _  E  G4 G5 w. j
I must state that this sheet is for information purposes only. Accuracy is not guaranteed.
, l$ O0 d) S! ]) F( B6 d
Thanks”

Phaeton

thank you!~

Luk

Thanks

yuz967

yes, I prefer variable