问这里的房地产大大一个问题

littlevivi

no cost好还是有cost但是滚到贷款里面好？

155000的贷款，我现在有两个offer,一个是no cost 3.875% 15年，一个是有cost大概2900 ,但是滚到贷
款里面，就是增加一些贷款的数额，3.75% rate, 3.87%APR。 我的想法是比较第一个
的rate和第二个的apr,因为apr就是把cost都算进去后总的利率。所以第二个比第一个
要好一点点，大家觉得我想得对吗？

olderfrog

the assumption you are making is that you will be paying this mortgage for 15 yr.      You can calculate the break even time frame.

If I were you, I would take the first one. because many things can happen, you might move to different location, you might sell the house, the rate might go lower and you refinance, you might pay off the loan in advance, you might default on the loan and walk away.  In all these cases, you will fair little better with the first choice.

But not much difference anyway.  just take it easy, don't get too stressful.

Tesla

First one, keep the freedom to re-fin again in near future if rate keep going low.

Tesla

誓把re-finance进行到底。坚持3N+1A策略!

At front cost 越低越好。No point, No fee, No pre-payment penalty, even ask appraisal fee for refund.

maldini

no cost好还是有cost但是滚到贷款里面好？

155000的贷款，我现在有两个offer,一个是no cost 3.875% 15年 ...
littlevivi 发表于 2010-10-26 19:38

0 cost is best!

德州牛仔

The first one is better.
I got the similar choices long before. It's end up I paid off only a few years, the cost wasted.

jeff110

誓把re-finance进行到底。坚持3N+1A策略!

At front cost 越低越好。No point, No fee, No pre-payment p ...
Tesla 发表于 2010-10-26 20:42

也请教各位一个问题，我的还有4年多就要到期了，是5.8%，现在还值得RE-FINANCE吗？　谢！

summer123

也请教各位一个问题，我的还有4年多就要到期了，是5.8%，现在还值得RE-FINANCE吗？　谢！
jeff110 发表于 2010-10-26 21:26

    3 yrs ARM is better, 3/1 ARM 3.29% 3.30% (Yahoo Finance)

Check local rate at bankrate.com

jilier

也请教各位一个问题，我的还有4年多就要到期了，是5.8%，现在还值得RE-FINANCE吗？　谢！
jeff110 发表于 2010-10-26 21:26

    If no cost, why not.

like2swing

也请教各位一个问题，我的还有4年多就要到期了，是5.8%，现在还值得RE-FINANCE吗？　谢！
jeff110 发表于 2010-10-26 21:26

    probably not worth it. Your monthly payment now contains mostly pricipal, not interest.

summer123

probably not worth it. Your monthly payment now contains mostly pricipal, not interest.
like2swing 发表于 2010-10-26 22:08

    use calculator @ bankrate.com to compare how much you can save

jeff110

If no cost, why not.
jilier 发表于 2010-10-26 22:03

谢

jy1029

算算他们的 nvp.

jeff110

use calculator @ bankrate.com to compare how much you can save
summer123 发表于 2010-10-26 22:19

谢！

jeff110

probably not worth it. Your monthly payment now contains mostly pricipal, not interest.
like2swing 发表于 2010-10-26 22:08

这也是我的顾虑，这个时间先后pay pricipal和interest的关系就把问题弄得很复杂，我这个脑子就算不过来了．

但如果眼下我的确想贷一笔钱，以我目前的情况(4年多就要到期了，5.8%)到底是RE=FINANCE(4%,15yearNO POINTS)合适呢还是Home Equity Loan(4.25%)合适？Equity Loan没有任何CLOSING FEE，似乎更好些？先谢了！