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。 3 W1 i3 R% ]; k6 y, h2 K5 z0 k) {4 [4 X' v
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%。 ' \& x8 F; [9 l5 a& u2 Y) Q' B2 W! h; B0 T+ H. r2 J
我会将附件发给斑竹， 让他们粘贴出来。# I/ Z3 Z4 S( s$ O/ H# Q* V
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下面是该机构的评述： + E( f5 ]* _0 i * Z0 ]# v- [; E/ A" [“I have compared a mortgage at P-40 (currently 1.85%) to a 5 yr fixed at 4.64% L" C) c' [$ z; c# {6 J+ o
I factored in increases in prime over the next 24 months. Prime would go up to 5.25% : ~: N+ G/ l R* A& [I placed the payments the same for both products (take the P-40 product, but make payments at the 4.64% rate).1 J% _2 ^: `! }7 H
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The variable product has net savings of approximately $5,440 over the 5 year term – even with a 300 BPS increase in prime!!! $ K& F/ W( H( P6 J! a$ {' X$ c8 B/ P* Q) L7 U# X v
I must state that this sheet is for information purposes only. Accuracy is not guaranteed. 5 m- Q' F% p, W- U) T) M( P1 Q8 r1 q" [) W0 a7 ]! a p/ _
Thanks”
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发表于 2010-4-27 10:11
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