comparison rate 是什么意思。

zcwhy · 发表于 2014-5-31 04:44:39

银行说：
5.38%p.a.variable rate
5.82%p.a.comparison rate
这个comparison rate是什么意思？

失心人 · 发表于 2014-5-31 05:30:04

comparison rate是按照15万的loan amount，25年的期限来计算的里面还包括了这个产品的费用所以费用在其中占了很大的一个份额并不可信具体可参考下例
$150,000 loan size
Term: 25 years
$167,190 in interest over 25 years
$9,875 in fees over 25 years
$177,065 in total over 25 years (excluding principal component)
5.6% of cost is made up in fees ($9,875 / $177,065)
$150,000 at 7.31209% interest over 25 years with $0 fees gives you exactly $177,065 in interest.
7.31209% rounded to 2 decimal places is 7.31%
= 7.31% comparison rate
$500,000 loan size
Term: 30 years
$693,920 in interest over 30 years
$11,850 in fees over 30 years
$705,770 in total cost over 30 years (excluding principal component)
1.7% of cost is made up in fees ($11,850 / $705,770)
$1,500,000 loan size (to highlight the difference)
Term: 30 years
$2,081,760 in interest over 30 years
$11,850 in fees over 30 years
$2,093,610 in total cost over 30 years (excluding principal component)
0.6% of cost is made up in fees ($11,850 / $2,093,610)
http://www.tomorrowfinance.com.a ... w-is-it-calculated/