h****8
发帖数: 278 | 1 银行一直不建议我们贷arm。给科普一下，如果贷款10w，按你的利率，7年后本金还了
多少呢 |
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z****n
发帖数: 1514 | 2 给你举个例子：比如贷款300K，
Case 1: 30 year fixed rate 4.75%: monthly payment is $1565 . After 7 years,
本金还37.5K.
Case 2: 7 ARM rate 3.75%: monthly payment is $1389. After 7 years, 本金还43.
5K.
你说说哪个好？只有你住上十几年不换地方并且不打算提前pay off才需要考虑30 year
fixed。 |
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h****8
发帖数: 278 | 4 谢谢解释。明白了。我们一直在考虑15y。所以银行不建议，我们也没弄明白过 |
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l****g
发帖数: 366 | 5 I see rate will reach 8-10% in a couple of years.
,
43.
year |
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z****n
发帖数: 1514 | 6 15年是不太一样的。因为arm和30年fixed都是30年duration的贷款，月还款比较低。15
年月还款一般会高50%.
如果你把7arm的月还款提高到15年的水平，那么7年后还得本金比15年fixed的要多。 |
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z****n
发帖数: 1514 | 7 So what? (A) if you move before 7 year, you lose your 30 year fixed rate
(B)如果你们家是双职工，那么7年后基本可以payoff了（除非你的房子太贵）。 |
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T***T
发帖数: 107 | 10 ARM 可以Refinance么，在低利息快过期的时候
给你举个例子：比如贷款300K，
Case 1: 30 year fixed rate 4.75%: monthly payment is $1565 . After 7 years,
本金还37.5K.
Case 2: 7 ARM rate 3.75%: monthly payment is $1389. After 7 years, 本金还43.
5K.
你说说哪个好？只有你住上十几年不换地方并且不打算提前pay off才需要考虑30 year
fixed。 |
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z****n
发帖数: 1514 | 11 It depends if your loan has prepayment penalty or not? Mine does not have
any prepayment penalty and can be refinanced any time.
,
43.
year |
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t**s
发帖数: 1393 | 12 利率不会永远这样低。LZ 应该考虑这样一种情况，尽管我似乎觉得你在为自己的决
定辩护。
假使明年放假掉个 5--10% (possible, right)，利率涨到 5.5% (30 year, possible
, right? 政府不可能永无止境地印刷钞票，并且给受益银行 push 他们发贷款)。
WILL YOU REFINANCE？If yes, you might need to pay some fees to do refinance.
更糟糕的情况是，假设你的 downpay 20% now，因为房价下跌，you have to add
more downpay to be eligible for refinance。
随着房价和利率趋于正常，6% + around mortgage is expected。
当然，如果你确信 7 年搬家，或者能 pay off，7 arm 自然不错，否则还是有不小的
风险的。 |
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k***e
发帖数: 7933 | 13 8年前我买房子的时候就说利率很低很低，大家建议15年30年fix，
我就30年fix了，ARM可以低不少。
6年后我就搬家了，开始还是30年fix，refi到4.75%，2周之前
refi到5年ARM了。
possible
refinance. |
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z****n
发帖数: 1514 | 15 why do I need to refinance next year? Isn't 7 ARM for 7 years?
possible
refinance. |
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t**s
发帖数: 1393 | 16
because it is likely after next year the rate will be 6%+...
Of course this is meaningless if you will move within 7 years or pay off all
debt after 7 years |
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z****n
发帖数: 1514 | 17 I chose this 7 year ARM because I will not do refinance within at least 4-5
years. If you have refinance in mind next year, of couse you should not
choose ARM now.
all |
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t**s
发帖数: 1393 | 18 your rate for 7 arm is really good anyway |
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l*****i
发帖数: 3929 | 19 如果楼主没有7年内pay off，还剩本金不多的话，就算是利息高一点也无所谓了
all |
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k******e
发帖数: 177 | 22 Very good rate. Better than mine. |
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k***e
发帖数: 7933 | 23 don't understand what you are talking about.
I was just stating my case. |
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k***e
发帖数: 7933 | 24 If rate is lower again, why not re-fi?
why can't use ARM if have re-fi in mind next year?
5 |
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d****2
发帖数: 6250 | 25
如果明年的利率比这个还底的话还是买把一把长枪一把短枪把。 |
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c*******a
发帖数: 18 | 27 that is a very good rate, which company did you get it from? |
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z****n
发帖数: 1514 | 28 It is a local company, but the product is from Wells Fargo. |
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v****o
发帖数: 978 | 29 It is not necessary to treat termite when your house is only 3years old.
Since the pretreatment would last at least 5-7years unless your area is
extremely moist.
To DIY, you may purchase some GRANULE from homedepot, spray along the house,
that will prevent majority of the bugs. |
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R******g
发帖数: 36 | 30 loan 417K,
30year fixed, 4.375%, 0 point
7year-ARM, 3.75%, 0 point |
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x****j
发帖数: 2873 | 31 短期利息维持或者降低的可能远远大于升高的可能.
7year arm （30年） 可以得到3.75%,no points, no closing cost,当然划算。
就是记住按照15年算的话，每个月多加一些本金就是了，肯定比有closing cost好。
lz loan amount这么低，当然要做no cost的。
在 bed (ACG Funding) 的大作中提到: 】 |
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c*****1
发帖数: 1826 | 32 for 3.625% option, can I say my annual return is 20x12/1600?
If I refi < 7year, then I lost the money, right? |
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c*******u
发帖数: 1269 | 33 跟车问下，7year arm 3.25 40w loan 有没有必要refi? 在芝加哥。 |
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Y******Y
发帖数: 8753 | 34 30year fix 3.625~3.75
15year 3.0
7year arm 2.125
5 year arm 2.875
除了escort + title, 要出$1500 的fee
如果有能比这个做得更好的agent,可以提供信息么？站内联系，谢谢啦！ |
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s*****6
发帖数: 499 | 35 去年底买了房子，贷款一半多，今年国内父母筹集了1/2贷款让我们提前还款。原来以
为提前还了部分，剩下的贷款数额减少了每月的利息少交了压力就小了。给agent打电
话问提前还款，说每月月供数额不变，只是贷款年限缩短了。这样提前还没有意义了。
我贷款的是7years arm，反正也打算七年后再借钱一次还清的。请问我可以半年后还1/
2贷款，然后重新贷款，计算利率吗？这样我压力就小了。 |
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o****d
发帖数: 1346 | 36 Front load. 7years, still good |
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j***a
发帖数: 101 | 37 my son is big size, kind of vegetarian,
Mom 1.65m
Dad 1.75m
1month 50%
6month 90%
1year 95%
2year over chart (both height and weight)
3year over chart (both height and weight)
4year over chart (both height and weight)
5year over chart (both height and weight)
6year over chart (both height and weight)
7year over chart (both height and weight) |
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s*******1
发帖数: 11216 | 38 Re, a lot of couple got marry so many year such as 7years. They are still
trying.
Maybe you can try to use better tests? Clear blue is expensive but good |
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j****g
发帖数: 235 | 39
middle school k6-8 3years, high school k9-12 4years, it should be 7years? |
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s**********d
发帖数: 36899 | 40
7years?
k-12一共是三年。middle high school很少有在一起的，
为什么要一起算呢。多数middle是6-8三年。 |
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M******0
发帖数: 1280 | 41 下面的是我7岁的儿子做的第一个minecraft game video. 一边玩一边说。希望大家多
鼓励, 多"like". I feel it helps his speech and presentation skill.
http://youtu.be/7rnda-DqO48 |
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x*****i
发帖数: 4035 | 42 不明觉厉，呵呵
我家7岁娃也是喜欢这个，我就不明白有啥好玩儿的 |
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M******0
发帖数: 1280 | 45 叹息一声，不计其数。不过他答应每天做一张数学题，练钢琴，练网球。上学期答应
double ＡＲ book 的goal, 结果triple 了。 我也没办法，只能让他看电脑打游戏。 |
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M******0
发帖数: 1280 | 46 这个游戏可popular了，打得好在学校可popular 了， 小孩都围着他。 |
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