q******s
发帖数: 246 | 1 今天的利率是多少啊30year fix
10 y bond已经3.15了
10y bond降到多少，30year fix才能降0.125呢 |
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g***l
发帖数: 352 | 2 【 以下文字转载自 TonyXuClub 俱乐部 】
发信人: gbull (gbull), 信区: TonyXuClub
标 题: ARM or 30year fixed
发信站: BBS 未名空间站 (Sat Dec 15 19:03:29 2012, 美东)
现在的情形下，refinance应该选ARM还是30year fixed? |
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w*****a
发帖数: 243 | 3 目前要借15万左右，20% down payment, 房子打算住五六年左右，其实两年内就能基本
还清了。是选ARM 的 low rate,还是选15 year， 30year的fixed rate，好长期锁定目
前的低利率？第一次买房，多谢各位不惜赐教！ |
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b******e
发帖数: 545 | 4 30year 200,000$ refinance什么利率？NJ的 |
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w**********9
发帖数: 1098 | 5 4.5 30year fixed
4.0 15year fixed
3.125 5 year Arm
住Condo的review condo的文件,不一定赶的急。
我只在这里招呼，你们自己找人，就不能算作广告吧？
上次一个换窗的，我只是告诉他怎么换省钱，找工人人家压根没问我。问也是白问，我儿子两岁,指望他帮忙还早着呢! |
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J***1
发帖数: 203 | 6 Ｉwas in the same boat before．其实以前就听人说了Maria Tang 的老公不好，我当
时还想是Maria Tang做，应该没有什么关系。结果半途丢给她老公了。再后来一个小事
情他没搞定，贷款黄了，看好的房子都快买不成了。火速换了一家broker，利率费用差
不多，贷款很快搞定了，但是还是因为前面贷款拖延了两三周，搞得原定的closing
date无法实现，有些连带损失赔给seller。还白交大半个月的利息。找个能力好的
broker还是重要的。
发信人: wennyzhang49 (wenny), 信区: Boston
标 题: Re: Rate又降了，赶紧！4.5 for 30year fixed
发信站: BBS 未名空间站 (Thu Jun 24 08:25:28 2010, 美东)
今天我也被Maria Tang 的老公(老婆拉进生意, 老公做文件) 气死了, 以后提醒你的客
人千万别用她. |
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g*******t
发帖数: 1084 | 7 请教大家
现在30YEAR fix rate: 3.5%; 15 year fix rate: 2.875%.
房贷41.7W。
那么是选择15Year 的Loan，减少投入403B好呢； 还是选择30Year Loan 然后继续投入
403B ？ |
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h*d
发帖数: 19309 | 8 我从wellsfargo看rate(daily email)，今天和昨天一样，具体到banker可能有不同？
30year fixed 4.875%
15year fixed 4.25%
30year FHA 5.125% |
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a****a
发帖数: 359 | 9 请问5arm也是贷款30年吗？可以downpay20%吗？要买insurance吗？算下来是不是每月
付的morgage比30year fix的要少？
为什么我的agent说如果想每个月pay 的最少的话，30year fix是最好的选择？ |
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z****n
发帖数: 1933 | 10 We have locked our rate 45 days before closing date at 4.5% for 30year fix.
Now the rate has dropped to 4.25% for 30years fix. There are still three
weeks before closing. Should we ask our load officer to relock our rate?
Thanks. |
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j********n
发帖数: 792 | 11 downpay的时候只有20%。贷款了24万， 30years。
想少给点利息，早点还完房子。现在手上多出了10万美金现金想放房子里，这样做
refinace还是30years行么？ 还是15years？ |
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h***e
发帖数: 20195 | 12 【 以下文字转载自 NewYork 讨论区 】
发信人: fennelyam (罗拉莱-迷蒙地醒不如热烈地梦), 信区: NewYork
标 题: 美国人辨别中国人的88种方法 (美国媒体上刊登的一期文章）【中英】
发信站: BBS 未名空间站 (Sun Feb 13 16:17:09 2011, 美东)
美国人辨别中国人的88种方法(中英对照)
88Ways to Know If You"re Chinese
1.You look like you are 18.你看起来好像才18岁（东方人普遍看起来比较年轻）
2.You like to eat chicken feet.你喜欢吃鸡脚
3.You suck on fish heads and fish fins.你吃鱼时会吸鱼头和鱼鳍(他们都是直接切
掉的)
4.You have a Chinese knick-knack hanging on your rear view mirror.你的车子后
视镜上会吊中国摆设
5.You sing karaoke.你唱K(唐人街才有的玩意儿)
6.Your house is covere... 阅读全帖 |
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f*******m
发帖数: 5008 | 13 美国人辨别中国人的88种方法(中英对照)
88Ways to Know If You"re Chinese
1.You look like you are 18.你看起来好像才18岁（东方人普遍看起来比较年轻）
2.You like to eat chicken feet.你喜欢吃鸡脚
3.You suck on fish heads and fish fins.你吃鱼时会吸鱼头和鱼鳍(他们都是直接切
掉的)
4.You have a Chinese knick-knack hanging on your rear view mirror.你的车子后
视镜上会吊中国摆设
5.You sing karaoke.你唱K(唐人街才有的玩意儿)
6.Your house is covered with tile.你的房子铺的是瓷砖(老外都是木板)
7.Your kitchen is covered by a sticky film of grease.你的厨房覆盖着一层厚厚
的油脂(爱炒东西的缘故)
8.Your stove is covered with aluminum foil.你的炉子... 阅读全帖 |
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j******g
发帖数: 1098 | 14 同样的income，30year 可以贷的数目比7 year arm 多。银行用来计算7 year arm的的
贷款数目，不是按照头7年fix的那个rate，而是另外一个rate，这个可能比30year fix
的rate高。
，
比7 |
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j******g
发帖数: 1098 | 15 同样的income，30year 可以贷的数目比7 year arm 多。银行用来计算7 year arm的的
贷款数目，不是按照头7年fix的那个rate，而是另外一个rate，这个可能比30year fix
的rate高。
，
比7 |
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t******n
发帖数: 2939 | 16 ☆─────────────────────────────────────☆
nicolson (nicolson) 于 (Sat Mar 16 17:34:09 2013, 美东) 提到:
基本上如下：
SS现在最多1750USD，但是alex最近10年工资有一阵没有那么高，按照2004年及以前都
是8万算。2005=83000,2006=86000,2007=90000,
2008=93000,2009=96000,2010=10000,
2011=103000,1012=106000。
计算器算出来是baseline=1234美刀。
http://www.ssa.gov/retire2/AnypiaApplet.html
下面链接说全家最多收入不会超过150%of baseline,
http://www.ssa.gov/survivorplan/onyourown5.htm
所以一共1851美刀。另外他们的房子在2004年是倾家荡产20%down。40万的房子，还在
付30year fixed @3.5%,月供是1400，房产税大概400，所以每个月刚刚可以拿SSN... 阅读全帖 |
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m********g
发帖数: 2323 | 17 美国人辨别中国人的88种方法(中英对照)
88Ways to Know If You"re Chinese
1.You look like you are 18.你看起来好像才18岁（东方人普遍看起来比较年轻）
2.You like to eat chicken feet.你喜欢吃鸡脚
3.You suck on fish heads and fish fins.你吃鱼时会吸鱼头和鱼鳍(他们都是直接切
掉的)
4.You have a Chinese knick-knack hanging on your rear view mirror.你的车子后
视镜上会吊中国摆设
5.You sing karaoke.你唱K(唐人街才有的玩意儿)
6.Your house is covered with tile.你的房子铺的是瓷砖(老外都是木板)
7.Your kitchen is covered by a sticky film of grease.你的厨房覆盖着一层厚厚
的油脂(爱炒东西的缘故)
8.Your stove is covered with aluminum foil.你的炉子... 阅读全帖 |
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z*****a
发帖数: 3809 | 18 【 以下文字转载自 NewYork 讨论区 】
发信人: fennelyam (罗拉莱-迷蒙地醒不如热烈地梦), 信区: NewYork
标 题: 美国人辨别中国人的88种方法 (美国媒体上刊登的一期文章）【中英】
发信站: BBS 未名空间站 (Sun Feb 13 16:17:09 2011, 美东)
美国人辨别中国人的88种方法(中英对照)
88Ways to Know If You"re Chinese
1.You look like you are 18.你看起来好像才18岁（东方人普遍看起来比较年轻）
2.You like to eat chicken feet.你喜欢吃鸡脚
3.You suck on fish heads and fish fins.你吃鱼时会吸鱼头和鱼鳍(他们都是直接切
掉的)
4.You have a Chinese knick-knack hanging on your rear view mirror.你的车子后
视镜上会吊中国摆设
5.You sing karaoke.你唱K(唐人街才有的玩意儿)
6.Your house is covere... 阅读全帖 |
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s***q
发帖数: 10585 | 19
30年贷款，利率要高一些，所以每个月的cashflow相对宽松一些，但没有相像得那么多
尤其在信用历史不长的情况下，30年的利率不能按最优利率算，但15年可以是最优的
因为银行在审查15年的mortgage的时候，不太像30year 那样care信用分数
此外，
国内很多工薪６，７年就把房贷还完的，15年就算长的，30年根本没有
和国内那些人比起来，楼主才叫省吃勤俭
国内工薪阶层的医保\养老相当便宜。霉国工薪阶层的医保贵。楼主的point是这个 |
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F******t
发帖数: 948 | 23 man, she gonna die in federal prison.
will 五毛 pay visits? |
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发帖数: 1 | 25 认罪协议？污点证人？
华为死球了
保华为碗粥牢底坐穿 |
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b*********3
发帖数: 1709 | 28 Black and the White 2 1⁄2- to 6-year-old children in the U.S.
standardization
sample of the Differential Aptitude Scale have a 1 standard deviation mean
difference (Lynn, 1996). The size of the average Black–White difference
does not
change significantly over the developmental period from 3 years of age and
beyond (see Jensen, 1974, 1998b)." (Rushton & Jensen, 2005, pp. 240-241.)
Farkas & Beron (2004) reported that blacks score 17.2 points below whites on
the
PPVT in this dataset at age 36... 阅读全帖 |
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m******8
发帖数: 2153 | 29 First of all many people will like to have two wives or two husbands
although they hide this kind of thoughts. Now there is a beautiful reason
with the benefits to reduce global warming and reduce our footage on mother
nature. Have less babies in a larger families.Natural resource usage is
proportional to global population. 30years of birth control in China
probably has cut down 300 million of population growth assuming two babies a
family without control. |
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L****n
发帖数: 12932 | 30 there isn't a side to fall on. China should choose its own side for Chinese
interests.
The best outcome is china compromise here with trump - agree to change
regime in NK and give up the nuclear in NK. Ideally get someone listening to
Beijing installed as head of NK. Trump get to boast curtailing nuclear
threat at Korean Peninsula. In return, US stay out of South China Sea as
well as Taiwan affairs. A once in a lifetime chance to 一石三鸟。hope Xi is
smart enough to see.
Fighting for NK and Kim iii... 阅读全帖 |
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m********c
发帖数: 13337 | 32 胡说，我没有车贷也拿到了4.125／30year fix，两年信用史，只申请过两张信用卡，
每月不到千刀。 |
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f****t
发帖数: 1063 | 33
May I know how you come the estimate of several hundreds?
I thought it would be much more than that for a 250k 30years 5.5% loan?
basically is the 500 DCA for half month of each month with 5% return? |
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u*****n
发帖数: 160 | 34 Currently the pricing of risk is twisted by FDR: the risk is measured by the
cost of debt. Currently lower than 5% 30year mortage is insane. Only FDR
and 2F is willing to buy(subsidize) them. I do not believe FDR will win this
war by twisting the risk-pricing. It could make things worse---it deters
price money to entering the market: remember WB loaned to GS and GE with 10%
interests rate AND call option. Cash/capital holder is demanding yield for
risk. Let's wait and see who win out.
BTW: curre |
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k*******e
发帖数: 373 | 35 it is not for investment for sure.
I will probably reloacte to HK from US in a few years.
Definitely I will not buy any real state in HK now.
But I need to stay somewhere so Shenzhen will be ideal as it is my hometown.
40K RMB * 170 m2 = 6.8M RMB
Plus 30year interests it will be likely around 30k rmb per month for morgage
and 1.5M RMB for downpayment.
I am just a bit hesitant but I like the apartment very much.
you |
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f*****n
发帖数: 44 | 36 you do not have to pay tax on earning every year even if you trade stocks/
funds frequently, that will affect a lot in the 30year horizon
IRA
account
IN
only |
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n****u
发帖数: 229 | 37
You may consider retirement target mutual fund in vanguard.
It is simple and low cost, recently the min of these funds drop to 1000
dollars.
Or another one is VGSTX, 30% of bonds, 70% of stocks, it is a fund of funds.
But min is also 1k.
I invested both by the way.
VGSTX has some good funds which are closed to new investor.
If you believe your age is about the percent of your bond, you may consider
this.
When I started, I chose this since this is the only one has 1k min.
Now I think retirement ... 阅读全帖 |
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h****h
发帖数: 1168 | 38 this one may be like amr mortgage.
u should buy term 20year or 30year.
and 200k is too small, you should look for 10x annual salary.
check selectquote |
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r******l
发帖数: 10760 | 39 下面是某一个15年期的Note的details，类似这种靠谱么？
Year1-2: 10% (Fixed)
Year 3-15: 10 x (30years' CMS - 2years' CMS), Subject to S&P 500 Index AND
Russell 2000 Index ≥ 60% on 5/26/2015 (Daily Accrual), Cap at 10%
Non-Callable Note
Monthly Payment
Non-Principal Protected Note
Payment at Maturity:
1. If BOTH Final Index Value of S&P 500 Index AND Russell 2000 Index ≥ 50%
of initial level on 5/26/2015, Principal
2. If EITHER Final Index Value of S&P 500 Index OR Russell 2000 Index < 50%
of initial level on 5/26/2015... 阅读全帖 |
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m****a
发帖数: 164 | 40 不懂这是个什么东西，别人推荐的
比如下面这个，有谁熟悉吗？多谢了先
Goldman Sachs Finance Corp
Notes
Callable CMS Spread and Russell 2000® Index-Linked Range Accrual Notes
due
15 years, Non-Callable for 1 year
40054K2X3
40054K2X3
2/25/2016
Year 1: 10% (Fixed)
Year 2-15: 9 x (30years' CMS- 2years' CMS), Subject to Russell 2000 ≥ 60%
on 2/25/2016 (Daily Accrual), Cap at 10%
Callable Date: 2/28/2017, and issuer can call Quarterly thereafter
Quarterly Payment
Payment at Maturity:
1. If Final Index Value of Russell 2000 ≥ 50% of... 阅读全帖 |
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a*******1
发帖数: 1187 | 41 不低啊，偶们NJ也就4.875%,前几天还4.75%， 30y fix，0 point, 60days
>417K, 30year fix也就5.0%，0 point
还有一次free flow down |
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a*******1
发帖数: 1187 | 42 Re-fi的closing cost很高啊，并且几个月后的rate应该不会比现在更低
如果你现在真的是"no closing cost"，那么你不用付application fee, appraisal
fee之类的，你完全可以另外找一家银行/broker再作一次mortgage, closing cost大概
一两千，0 point，30year fix拿个4.75% or 4.875%，lock for 60 days，还能一次
free flow down。
不过会比较伤人品，第一个弄mortgage的人会很生气，虽然你没有任何责任。 |
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b********3
发帖数: 994 | 43 跟trick有什么关系？？！！
一个正常的conventional mortgage program而已。
LZ：前七年，你的每个月的payment是按照30year的term算，但是rate相较于30年fixed
会低不少。从第八年开始，你的rate开始浮动，参照的数据一般是WSJ的index为基准，
以今天为例，假如说今天是你的mortgage的第八年的第一天，那index是1.207％，一般
margin是2.25％，5/2/5的program，意味你的rate会浮动最高到6.207％，最低就不定
了。从第九年开始，每次浮动的最大值不能超过2％，也就是说rate最高可能浮动到8.
207％。然后，之后每年都会浮动，life of loan的时间内，最好rate可以浮动到index
＋5%＋5%。
一般来说，如果你有意在七年内卖房子，或者是refinance到fixed mortgage,那这个
program不错。如果，你每年都有大笔收入或者存款一次还本金，那可以做多次的ARM，
每次可以付一部分本金，总体来说还是比较划算。
如果没有上述条件，最好还是不要做ARM，毕竟越到利息变 |
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l***s
发帖数: 259 | 45 I also locked yesterday, jumbo conforming 30year fix, 5% no point with one
time free flow down. the rate for conforming was usually quarter percent
lower with this mortgage company
I am in NJ, the rates i got from local mortgage company via zillow are 0~1/8
percent lower than wells fargo |
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h********d
发帖数: 364 | 46 【 以下文字转载自 TonyXuClub 俱乐部 】
发信人: hangaround (晃荡), 信区: TonyXuClub
标 题: 大家贷款一般选30fixed还是5ARM？
发信站: BBS 未名空间站 (Tue Nov 3 16:32:43 2009, 美东)
有没有人算过，差多少的话选5year ARM比较值？
本来准备选30year fixed啦，比较安全。结果agent说今天5year ARM conforming的利
率特别低，只有3.875，我就被诱降了。还要多交5%downpay好拿到conforming的rate。
还在犹豫中。。。。 |
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z*********n
发帖数: 94654 | 47 我同事信誓旦旦跟我说他的是3.25% 30years fixed
纯运气
他也是arm，然后arm过期那天正好当时利率就那么低，于是就锁定了
运气，纯粹是运气 |
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d********9
发帖数: 7 | 48 thanks a lot. is it possible for me to refinance at year 6, change to 30year
fixed or other programs? thx. |
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p****a
发帖数: 4829 | 49 谢谢。包子sent。
那如果是3.75 vs 4.00呢？
还有为什么版上我很少看到有人lock ARM呢？好像多数是15或30year的。 |
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l***s
发帖数: 259 | 50 有点犹豫要不要把30year换成5year ARM.
但不知道refinance的时候要损失多少close cost
假如rate不变，五年后再refinance一次5year ARM的话，refinance cost大概包括那些
？我看现在new home purchase大头好像在title insurance这一块，还有至月末的
interest？ |
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