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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。0 z' q2 o5 M6 B8 W& a
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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%。" O5 e' ], R3 n2 k
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我会将附件发给斑竹， 让他们粘贴出来。6 d- y9 Q: T6 V/ C; T3 x+ ]
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下面是该机构的评述：4 ^, t' b X( M$ W
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“I have compared a mortgage at P-40 (currently 1.85%) to a 5 yr fixed at 4.64%: w. v/ D) j& v. C
I factored in increases in prime over the next 24 months. Prime would go up to 5.25%
# m w0 w2 I$ x: Z1 |* xI placed the payments the same for both products (take the P-40 product, but make payments at the 4.64% rate).6 q. E5 y8 }8 j7 s; k* Y
! y. m3 e/ v6 t6 X7 z7 OResults:
8 J$ H4 E# ^. e) Y+ m' UThe 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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" h( I' c# z% P+ x, U! [7 n& mI must state that this sheet is for information purposes only. Accuracy is not guaranteed.. p6 T, X6 w' e6 Q! d7 \4 ~
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Thanks” |
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发表于 2010-4-27 10:11
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