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%4 k$ n: v; q- ~! b; ~2 i
I factored in increases in prime over the next 24 months. Prime would go up to 5.25% : G8 p9 Y, i* d( u5 U
I placed the payments the same for both products (take the P-40 product, but make payments at the 4.64% rate).+ d8 p/ o6 f+ @3 e" ?" E) X

) [$ y% [( k: ^8 r% i& DResults:
0 v/ h& u: x- w! z6 cThe variable product has net savings of approximately $5,440 over the 5 year term – even with a 300 BPS increase in prime!!!
`- B( R( `% x% b+ k, ^) I# M# k7 X( C$ }
I must state that this sheet is for information purposes only. Accuracy is not guaranteed.6 i( h0 W6 |% ~" n: \) [
+ R, X4 l( M1 s. R' n4 P+ U$ F
Thanks”

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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