p*****i
发帖数: 197 | 1 来自主题: SanFrancisco版 - 求贷款利率 房子价格1.15m，目前balance 750K，信用分790+，SFH，自住. 求30year fixed rate. |
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b******t
发帖数: 965 | 2 现在的30year fixed 应该还是比你利息高
: 跟风问一下。放在买了有3年半，30年3.5 fixed rate，房贷还有1M左右，能
refinance
: 到更低的利率吗？
: 当初买房子，急着抢，也没经验。贷款没有货比三家，30年fixed利率是3.85（
那个时
: 候能做到3.25），1年后同个agent 主动refinance到3.5. 再后来我就没注意
refinance
: 的事情。
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u**********n
发帖数: 72 | 3 no point no fee
San Jose Townhouse自住
Estimate 1.2M
Loan 860K
Fico score: 800+
求利率 7/10year ARM，以及15/30year fixed
站内 谢谢 |
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J****h
发帖数: 623 | 4 1% interest increase=20% price interest payment increase. 30Year now is 5%.
When it reaches 6%, you will need at least 20% price reduction to match the
interest increase. |
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j***z
发帖数: 74 | 5 http://finance.yahoo.com/news/Average-rate-on-30year-apf-219376
NEW YORK (AP) -- The average rate on the 30-year fixed mortgage dropped this
week, following lower yields on Treasury bonds.
Freddie Mac says the average rate on the 30-year loan slipped to 4.87
percent from 4.95 percent. It hit a 40-year low of 4.17 percent in November.
The average rate on the 15-year fixed home loan fell to 4.15 percent from 4.
22 percent. It reached 3.57 percent in November, the lowest level on records
dating bac... 阅读全帖 |
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j***z
发帖数: 74 | 6 http://finance.yahoo.com/news/Rate-on-30year-fixed-mortgage-apf
NEW YORK (AP) -- Fixed mortgage rates dipped to the lowest level of the year
this week. The third straight weekly decline comes at the start of the peak
buying season.
Freddie Mac says the average rate on the 30-year loan fell to 4.71% from 4.
78% the previous week. That matched this year's low reached in January. But
it is above the 40-year low of 4.17% hit in November.
The average rate on the 15-year fixed mortgage slipped to 3.89... 阅读全帖 |
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s*******0
发帖数: 480 | 7 装修要移动上水的铜管（冷热水各一个）。 想法是从basement的copper pipe 开始，
把它切断， 然后装上新的pipe并且使它藏到一楼的外墙里。 然后再接一个水平的pipe
并把它藏到一楼的ceiling 里。这样所有的pipe 都藏起来了，一楼的一面墙就可以拆
掉了。
现在不知道这个pipe 要用什么材料的好？ 用copper pipe？ 现在的是copper 的。用
铜管在好多拐弯和连接的地方要焊上(现在的焊料好像都是不含铅的）。 不知道现在的
装修中国师傅焊接水平怎么样？ 要焊不好， 以后漏水怎么办？ 尤其是有一节铜管在
一楼的外墙里， 要漏水的话， 可能还不易察觉。
另一种选择是plastic 的管子。 home depot现有PVC， CPVC 和PEX 三种材料的。 不
知道哪一种好？ plastic 的管子可能比copper 耐腐蚀， 而且不易长bacteria。 但就
是不知道plastic pipe 的 life有多长。尤其是藏在一楼外墙里的那一节，很靠近外面
的stucco， 这样在冬天的低温下不会让plastic 变脆吗？ 师傅说能用到30years ... 阅读全帖 |
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q******n
发帖数: 4479 | 8 you forget hiuse appreciation. assume you pick 30years fix rate at 3.5%. as
long you hold the house long enough, say 10years, 长期讲房子增值一年4-5%还是
有的。 当然你要说悲了个催的07年买09年卖那是输定了，否则还是不亏的。再说房租
也会涨的。 |
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l*******e
发帖数: 127 | 9 在156上的那个CHASE里打听的，是一个叫ARKADI的loan officer提供的信息，今天去跟
他聊了一下,信用分数>700，就可以拿到30year fixed, 4.25%, no points, 还有1%的
cashback，就是每个月有1%的monthly pay的cashback。我的信用分数还好刚好过了700
.如果我要lock rate的话需要交500左右做appraisal.
这个明显比FIRSTTECH的强太多，which is 4.375%, 0.5% origination fee, require
credit score > 720。两家closing cost差不多， 5，6k的样子。
Wells Fargo问过, 4.5%还有一堆别的要求，其他的bank, brokers现在还没问。不知道
版上有值得推荐的没？
我的agent好像不是很喜欢CHASE,说从来没有跟CHASE打过交道，怕他们现在说的好听，
到时候closing的时候出问题，另一个担心是从AGENT那里拿到返点在CHASE不好做。不
过chase的那个loan officer告诉我说可以... 阅读全帖 |
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n*******9
发帖数: 3244 | 10 "每个月有1%的monthly pay的cashback"? 照你的说法，Chase 30year fixed的实际利
率才只有3.25%？！sounds too good.
700
require |
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k****i
发帖数: 21 | 11 NO,cash-back is 1% on monthly payment, But the rate is on total mortgage. 实
际利率 is about 4.22%.
"每个月有1%的monthly pay的cashback"? 照你的说法，Chase 30year fixed的实际利
率才只有3.25%？！sounds too good. |
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g*****k
发帖数: 682 | 12 求一个30year fix利率
同时给个电话吧 |
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发帖数: 1 | 13 求一个5/7ARM 和 30year fix利率 |
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g****r
发帖数: 672 | 14 为大家谋福利。
5/1 ARM RATE: 2.50% APR 2.528%
10 YEARS FIXED RATE: 2.875% APR 2.903%
15 YEARS FIXED RATE: 3.125% APR 3.15%
30 YEARS FIXED RATE: 3.625% APR 3.653%
PLEASE NOTE: Above Rates/APRs are based on a $417,000 loan amount with
credit scores above 740 and up to 80% LTV. Rates and APR may change as
markets change.
You can forward this email to your friends, co-workers or family as you see
fit.
If you're interested in getting a FREE rate quote, please reply to this
email and provide the informat... 阅读全帖 |
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x*******3
发帖数: 395 | 15 信用分数很重要，一般都要达到740。找中国人的贷款公司利率会比较低，30years 4.
125%。如果没有到740，利率一定会高点的！ |
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m******0
发帖数: 1306 | 16 I have refinanced my house two months ago rate is 5.125%/30years. now the
martgage is almost same the rent in my eara. If I can find a nice house with
zero downpay I will try to get it. My house is too small.
to |
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s*********r
发帖数: 4210 | 17 TH 3.75% 30year的NO COST, 算不算好? |
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T***c
发帖数: 17256 | 18 if yao has liandi's atheleticism, he could, but still shouldn't-- in that
case we'd be talking about the greatest center in last 30years at least. |
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j***n
发帖数: 3786 | 19 Newly made gun is supposed to be better because gun making tech and material
gets much better than 30years ago. |
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h********s
发帖数: 1973 | 22 conventional loan.
15year, 2.5%
30year, 3.25%
刚做了自己家的。 觉得这可能是最低的rate.
可惜家里没钱折腾房子了。否则，这么好的rate, 真应该再投资几个房子。 |
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m*****0
发帖数: 310 | 23 投资房子是这个利息？不可能吧。
15year, 2.5%
30year, 3.25% |
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j****w
发帖数: 104 | 25 after PhD or MS, 27-30year old in US is common. you shall feel blessed that
they are still there |
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i****a
发帖数: 36252 | 26 【 以下文字转载自 Living 讨论区 】
发信人: winonay (郝娓娓), 信区: Living
标 题: 请帮忙看看这个贷款的GFE合理不合理
发信站: BBS 未名空间站 (Thu Apr 15 20:07:50 2010, 美东)
利率按5.25%算
贷36.4w，30year no point
original charges 668
titles service and lender' title insurance 2953.29
owner’ title insurance 1200
repaired services 650（这个可以自己选要不要用他们的）
government recording 100
transfer taxes 800
daily Internet charges 840
homeowners insurance 900
property tax 791.99
total 8903.28
问过别家，这家收的手续费号称就是668了，当然最后多少肯定还不清楚，利率也还没
有锁
如果大家觉得哪项不合理，请具体说下。谢谢了
顺便说下，今天b |
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B*******a
发帖数: 801 | 27 看了大哥姐的节目，今天正好又看了一段yahoo的news。感觉大哥姐真是弯曲华人的福
音啊。
下面是节选自yahoo：
http://finance.yahoo.com/news/Rate-on-30year-mortgage-falls-apf
Most homeowners are paying rates more than a full percentage point higher
than the current average. The average rate on all outstanding mortgages is 5
.3 percent, Freddie Mac said, citing data from the Bureau of Economic
Analysis.
再看大哥姐，轻松帮人搞定低利率。还是根据个人情况定制的。时代呼唤大哥姐啊。 |
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j**y
发帖数: 7014 | 28 famous ID in SF board
has two children before 30year old |
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a****n
发帖数: 135 | 30 你老在著名化工公司拿着10万多，哪看得上那儿啊
就算你PhD+30years experience, 也给你7万。怎么样 |
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d********h
发帖数: 2048 | 31 第一个要看单位，因为我呆的都是non profit，基本上是你想呆多久就多久，别犯太多
的错。我们的年会上都会通报XX25， 30year anniversary之类的，要不就是XX光荣退
休；这样的单位硕士博士差别不大；
但是我在其他单位的朋友，退休后又工作的都是有博士学位的。 |
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o****o
发帖数: 8077 | 32 some black dudes are pretty rich
I saw several ones driving viper, one driving a PURPLE M5 V10, and countless
Cad, Lincoln, as well as shabby 30year old street car with load speakers... |
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m**k
发帖数: 18660 | 33 heihei i started 30years old... |
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