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%。

) H8 n6 o) |: [* @" W7 @# E* _我会将附件发给斑竹， 让他们粘贴出来。

  [' m" h& a" Z/ E" n下面是该机构的评述：
2 W) T- y  l% ?  f3 ^7 G2 b
& U- Y$ X) x& y  n- q8 W+ a8 G“I have compared a mortgage at P-40 (currently 1.85%) to a 5 yr fixed at 4.64%
/ z) E, T$ T% \) M1 V" ZI factored in increases in prime over the next 24 months. Prime would go up to 5.25%
  d. e) [) [' i6 N4 }I placed the payments the same for both products (take the P-40 product, but make payments at the 4.64% rate).
5 S" \) s8 N% h% k  @3 m* P
- d! l) U1 I0 k/ y" Z7 }Results:
& x7 c* t+ L! j6 w: ]) CThe variable product has net savings of approximately $5,440 over the 5 year term  – even with a 300 BPS increase in prime!!!

- w6 s2 e' N. t, K: FI must state that this sheet is for information purposes only. Accuracy is not guaranteed.

Thanks”

Phaeton

thank you!~

Luk

Thanks

yuz967

yes, I prefer variable