P*****r
发帖数: 1308 | 1 贷款纠结，请大家指点。
准备买一个34w的townhouse，3bd 2fb 2hb带车库，距离major highway和购物中心都在
5-10min车程，算是交通挺方便的地方，但是学区只算中上。
现在在申请贷款，纠结在7年ARM和30yr fixed上面。按昨天的rate，这两个差了1.125%
，每个月payment，arm少付170多。
我们初步的计划是能在小孩上小学之前move去更好的学区，LD的想法是能keep住这个th
当出租房，目前看来这个一个th租金应该能cover mortgage+hoa+tax。唯一的不确定是
到时候的市场和房价，我们能不能afford不卖出直接买第二个房，到时候也不知道
mortgage的情况了。
请教一下大家，一般arm和fixed差多少 算是多的了？还有就是除开我所说到的这些顾
虑，还有什么arm的risk我们没考虑到的？多谢 |
|
s*****g
发帖数: 7857 | 2 做了,
第一次,15-yr fixed 3.375%
第二次,15-yr fixed 2.75%
都是在我家领导懒惰,我忍无可忍下,我去做的. |
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X******w
发帖数: 159 | 3 看7年ARM比30年fixed低一个多点，为什么大家不先用ARM，等靠近第七年的时候看利率
低就换成30年fixed？
请明白人给讲讲，谢谢 |
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x*******a
发帖数: 11067 | 4 My 2 cents:
Example:
Now 30-yr fixed 4.5%, 7 arm 3.5%
After 7 years, rate increases: 30yr-fixed become 6%, 7 arm will float to 8%.
So you want to refinance to 6%.
However, house price decreased, previously 500K because 300k, you are
underwater.
Results: pay extra money to get it refinance to 6% rate. Or keep the 8% rate.
That is what happened in 2010, why so many ppl have to foreclose or short-
sale. |
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l******c
发帖数: 2555 | 5 libor rate + 2.25% from Provident Funding
never heard one year rate higher than 30 year fixed.
I has one arm, and do not plan to refi.
right now the rate is 0.67 + 2.25 = 2.92%
if the rate goes up crazy, like 30 years fix rate is 15%, your cap is 9%.
then your arm rate is at most 9%
for 90% buyers, arm is the best choice, but most buyers do not understand
ARM |
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l******c
发帖数: 2555 | 6 a little bit risky
no big risk
suppose 5 year arm is 2.75%, 30 year fixed is 4.75% today,
you save 2% for 5 year, after 5 year, your rate is 5.25%(3+2.25)
30 year fixed is 6.5%,
you save money with 5 year arm within next 10 years.
because 4.75 - 2.75 > 5.25 - 4.75
that's the most likely case |
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g***3
发帖数: 2304 | 7 Can I do another 5/7 ARM after my first 5 ARM end?
I am thinking if people keep doing ARM, that's always beat 30 fixed, why
30 fixed program still existed? |
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g***3
发帖数: 2304 | 8 Here I don't understand. Lots of people are telling me about this.
But my math is like this:
Total loan amount = x
Total amount I paid for 30 year = Y (assuming I paid it off in 30)
Y is only determined by the interest rate in this 30 years period, isn't it?
I think the worst case which make 30 fixed beat 5/7 ARM is 5/7 year later,
even AMR's rate is much higher than current 30 fixed.
Besides, usually Chinese guys paid off their houses much quicker than that.
Correct me if I am wrong.
you |
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l******c
发帖数: 2555 | 9 possible
but you save 1% - 2% for the first 7 years, after 7 years, your rate is
still below the 30 year fixed rate at that time.
in normal case , within next 14 years, you will not lose money compared with
30 year fixed loan. 14 years is long time ..
This is normal case
Recently, 3,25% for 30 years is abnormal case, please understand |
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H******3
发帖数: 95 | 10 purchase price 250K
loan 200k,
Should I do 7 arm(3.250%) vs 15 fixed(3.250%)?
It seems that for 15 fix, after 7 years, already pay almost half of them.
7 arm may be just paid 1/5 by 7th year.
If I want to take advantage for low rate, should I do 7 ARM?
Annual family income 200K plus. Do not know how to invest. |
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k***a
发帖数: 2400 | 11 7 arm （30 yrs term） 的月付少，15 fixed的月付多（more to principal）。你如
果不想有多余的钱做别的投资，就15 年fixed，付的利息少。 |
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b********2
发帖数: 5191 | 12 5ARM的DTI qualification 是based on note rate+2%
fixed 或者7ARM就是以note rate来qualified.
还有如果ARM的 LTV>75%, pricing会变差很多, fixed就不会. |
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b*****t
发帖数: 7331 | 13 多谢！
既然fixed和7arm评估标准一样；如果首付只有20%，7arm会比fixed差很多吗？ |
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w******o
发帖数: 51 | 14 现在利率好像在涨，所以想要不要换成30年fix的
但是还有三年，也不知道三年内会发生什么？
现在5ARM 2.875% 还有三年。。。
30年fix 可以4.25%
大家有什么建议？谢谢 |
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N***0
发帖数: 106 | 15 个人观点。如果有多的钱，选择最低利率的。每年把多出来的钱用来直接还本金。这就
是一张check寄过去那么简单的事情，别的什么手续和费用都不需要。几年下来本金就
少了一大截，然后可以考虑refinance什么的，因为本金少了，怎么都比较划算。30年
fix头几年都给利息去了。 |
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y******n
发帖数: 8667 | 16
10 ARM利息比15 fix都高，当然不能选。 |
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M******e
发帖数: 4179 | 17 ？？
楼主明白的写了：
15 fixed 3.5%
10/1 ARM 3.75% |
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i****d
发帖数: 117 | 18 想买一个fix upper,
主要是想按照自己的想法进行装修
请问买fix upper有何利弊?需要注意哪些问题? |
|
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f**h
发帖数: 782 | 20 不是大拿，说错了请别人指正。ARM和FIXED在CLOSING方面差别是rebate，我的loan
officer 30年FIX有rebate，ARM就没有，title那边arm会多一笔50刀左右的费用。7/1
里面的7是说前面7年利率固定，1说以后每年利率变化。5-7年内换房的话ARM划算。 |
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I********2
发帖数: 244 | 21 最近会close 一个房子但是对贷款有疑问。比如说我们贷款460K, redfine上面的估算
是30年fix 4% 每月付2800左右， 15年fix是3.25%,3800左右， 7/1arm是2.8%，2600左
右， 我对7/1arm很疑惑。 请问7/1arm 七年实际付了多少本金阿？有没有人用它做个
fast track的15年，就是我们可以付到3800。 如果我们用7/1arm 每个月还是付3800 =
2600+extra 1200 ？ 还有就是能不能用7/1arm一段时间后比如说到只欠银行20万时，
再换成15年？ |
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w****c
发帖数: 18 | 22 想做refinance,想把30 year fixed 换成 20 year fixed.贷款460,000.求最新最低
rate |
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d**r
发帖数: 45 | 23 我有颗补的牙从牙根处断了， 相当于少了颗牙。牙医说要做 fixed Bridges，得做3颗
，用旁边的两颗支持补上的那颗，一颗900美元。我过了能加入学校医疗保险及牙保险
为同一家的牙保险的时间，只得买了个discount的机划，不过牙医说他做的fixed
Bridges 没有折扣。我买别家的来得及吗？他的收费合理吗？多谢回复！ |
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l*****g
发帖数: 149 | 24 我不到2个月前做了fix bridge，就是一颗补的牙彻底掉了，牙医为了填那颗牙，做模
子时除了没牙的地方，两边的牙也磨了，一同做3颗牙。现在中间填的那颗牙牙龈处有
时会有食物残渣，最近则是经常有，可是一刷到那里，牙龈就会出血，牙龈颜色和周围
也略有不同。做fix bridge前，牙医也给我洗了牙。
请问是不是碰上庸医了？我该怎么治疗？谢谢！ |
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m****m
发帖数: 2211 | 25 刚看了一下，居然有了0.2的fixed rate了
是不是可以买了
不知道版上哪位大牛持有当年3%z以上的fixed rate |
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f******e
发帖数: 582 | 26 My son is 4 years old. Today, for the first time, we take him to see a
dentist.To our surprise, the doctor finds out some bad cavities and suggests
to fix them,
Our son never complains he has pain when eating. Also, we think he will grow
恒牙 when he is older.
Do we need to take procedure to fix those cavities?
Thanks. |
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m********r
发帖数: 811 | 27 【 以下文字转载自 Cycling 讨论区 】
发信人: miniplayer (mplayer), 信区: Cycling
标 题: where to fix bikes in america?
发信站: BBS 未名空间站 (Mon Dec 21 13:40:47 2009, 美东)
if no place, wehre can i buy parts to fix it myself? |
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l*******o
发帖数: 12469 | 28 俺觉得这个作者说的东西有道理。但是真的要how to fix it，各位如何看？
Julie Ng, originally from Boston, now living in Munich as a designer and
entrepreneur.
The internet startup model is broken and how to fix it
The market for internet companies is broken. We cannot continue starting
companies with millions in venture capital and no business model from day
one that generates revenue, and more importantly profit.
Don't rejoice at Facebook's plummeting stock. It’s an ominous sign for us
all. Companies are willing to pay boatl... 阅读全帖 |
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c*******7
发帖数: 3763 | 29 my bank already offered me 3.875% rate (30 years fixed rate refinancing), with 3 quater point of bank fee plus closing.
I'm currently looking/waiting for the 3% rate (15 years fixed rate refinancing), with no fees... |
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d******8
发帖数: 1972 | 30 STOCKS EXPLODE HIGHER AND EVERYONE THINKS EUROPE IS FIXED AGAIN: Here's What
You Need To Know
Read more: http://www.businessinsider.com/closing-bell-27-2011-10#ixzz1c18ofItz
First, the scoreboard:
Dow: +339.4 pts, +2.9%
S&P 500: +42.6 pts, +3.4%
NASDAQ: +88.0 pts, +3.3%
And now, the top stories:
In case you missed it, here's a rundown of yesterday's EU summit because it
's important. Leaders have agreed to 50% writedowns on Greek debt held by
private bond holders, a leveraged EFSF that would ha... 阅读全帖 |
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G*******m
发帖数: 16326 | 31 把equity，做成fixed income，把fixed income 做成equity的典范
现代京剧“智取威虎”，芭蕾舞剧“白毛女”、“红色娘子军”交响乐，是中国人的艺
术审美情趣对西方传统芭蕾舞音乐的一次大胆革新。现代京剧、智取威虎，现代芭蕾舞
剧白毛女、红色娘子军交响乐堪称现代生活内容和芭蕾舞艺术形式的完美结合，它继承
了民间歌舞的传统，同时也借鉴我国古典戏曲和西洋歌剧，以其鲜明的人物形象，浓郁
的民族风格，优美动听的音乐受到了受到国内外媒体和观众的高度评价和热烈欢迎。也
是几代中国人脑海里不灭的记忆。现代京剧“智取威虎”，现芭蕾舞剧“白毛女”、“
红色娘子军”交响乐，成功地运用芭蕾交响乐这一西方艺术形式演绎了中国的红色经典
。四十余年久演不衰, 场场爆满，誉满海内外，成为中国芭蕾交响乐的经典之作。 |
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b*****o
发帖数: 240 | 32 feel like tiered is always better than fixed, because both fee per share and
min fee per order are lower than fixed structure. am I missing something? |
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y**h
发帖数: 318 | 33 【 以下文字转载自 Immigration 讨论区 】
发信人: ynwh (Hao), 信区: Immigration
标 题: EB1a efile I-140 的warning和fix error问题
发信站: BBS 未名空间站 (Thu Apr 23 20:32:44 2015, 美东)
填完表，看到一些吓人的警告，说有的suggested fields没有填，可能影响处理。又让
fix error。我检查了，没填的都是employer该填的部分，还有就是travel document
number。
请各位有经验的分享一下，是不是可以不管，直接交钱，还是填上None。
谢谢 |
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i*******s
发帖数: 318 | 34 and this sr means very imporntant?
is this kind cosmetic fix. grammar fix. this board managemnent are
supposed to focus on? |
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T*******t
发帖数: 9274 | 35 已经有不少股票了
所以找fixed income funds
找了一圈....感觉没有美国容易...
front load都是3%+...management fee 1%+
这对fixed income funds也太狠了点 |
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t*******i
发帖数: 255 | 36 nottingham ningbo normally offers fixed term posts for the 1st 5 yrs or so.
Whether it can be extended to a permanent offer depends on your performance.
Most people here leave after or even before the end of the fixed term
contract. It is similar to the US system in this sense. The title of
assistant professor is just for attracting ppl from around the world as
lecturer is often not a full-time job title in the US hence not equivalent
to lecturer in the UK. |
|
t*******i
发帖数: 255 | 37 nottingham ningbo normally offers fixed term posts for the 1st 5 yrs or so.
Whether it can be extended to a permanent offer depends on your performance.
Most people here leave after or even before the end of the fixed term
contract. It is similar to the US system in this sense. The title of
assistant professor is just for attracting ppl from around the world as
lecturer is often not a full-time job title in the US hence not equivalent
to lecturer in the UK. |
|
w**********9
发帖数: 1098 | 38 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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w**********9
发帖数: 1098 | 39 当然是No point, No closint cost.
交了closing cost， 下回再降你咋办？这两千多块不就
打水漂了。Condo的同学要随时准备着，现抓肯定来不及。Closing cost是最不正常的
东东。
我还是推荐 5 yrs Arm. Rate高高低低，每次我都会出来知会大家，从去年到今年，我
已经喊了三次30年fixed 4.75了。我不信它五年不降。再者你会换公司或者换房。另外
银行5 yrs Arm赚不到钱，broker也比30 Year Fixed赚的少。
如果Loan超过四十万，一定要选5 yrs Arm。一年差4.5-3.125=1.375
1375X4=5500，五千五啊！ |
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c**m
发帖数: 1457 | 40 Best case for 15 year fixed is 3.25% up to $1800 rebate
Best case for 30 years is 3.875 with up to $2200 rebate
Best case for 5/1 ARM 2.75% with up to $800 rebate
In addition to no closing cost, no point
Lmitations might apply. Please call for details.
Name: Hongmei Wang
Cell: 774-567-0483
NMLS# 616734
email: h*****[email protected] |
|
c**m
发帖数: 1457 | 41 Yes, for the best cases. It varies depends on loan amount, Loan to Value,
Debt to Income Ratio, Credit Score, type of properties etc.
Please call for details.
Best case for 15 year fixed is 3.25% up to $1800 rebate
Best case for 30 years is 3.875 with up to $2200 rebate
Best case for 5/1 ARM 2.75% with up to $800 rebate |
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c******7
发帖数: 2586 | 42
with 15 year fixed is there a minimum on the loan amount? |
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c**m
发帖数: 1457 | 43 【 以下文字转载自 MA_Mortgage_Realestate 俱乐部 】
发信人: chem (Mortgage Consultant), 信区: MA_Mortgage_Realestate
标 题: Today's rate hit 3.75% for 30 year fixed
发信站: BBS 未名空间站 (Mon Oct 3 11:35:27 2011, 美东)
You may get 3.75% if you have a loan close to $417k out of more than $800k
house. 760+ credit score, low DTI.
No closing cost, no points.
15 fixed stay at 3.25% with big rebate
Lmitations might apply. Please call for details.
Name: Hongmei Wang
Cell: 774-567-0483
NMLS# 616734
email: h*****[email protected]
Compa... 阅读全帖 |
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H*********g
发帖数: 217 | 44 With no closing cost.
sample: house value $800k, loan $400k, refin. credit score 760. single
family.
Name: Hongmei wang
Cell: 774-567-0483
NMLS: 616734
email: h*****[email protected]
We are #1 in US for Jumbo loans. Please send details or call to quote.
best way to quote is through email.
h*****[email protected]
Serve MA, CT & NJ
And please provide the following information:
House value
loan amount
rough credit score
loan term, 30 y fixed/ 15 yea fixed/ 5/1ARM etc
zip code
property type |
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h*b
发帖数: 209 | 45 刚从30-yr fixed 3.375%换到了15-yr fixed 2.5%,贷款40万，
no point no cost，是不是最低的rate了？
买了房子这几年几乎过几个月就refinance一次，这次应该是最后
一次了吧？ |
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u*********r
发帖数: 176 | 46 这里有房主，有经纪，讨点知识
准备弄个投资房，可以Cash, 但还是准备用贷款，给自己留点流动资金，现在利率也还
不错
ARM跟Fixed那个划算，就是说资金效率比较高
ARM过几年又要ReFin，Fix到不用这道工序
有点纠结，求指点 |
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W*******Q
发帖数: 275 | 47 Panic in housing market as Trump effect pushes mortgage rates to 4%
CNBC: "...Since last week's election, the benchmark 10-year Treasury has
gone from a yield of 1.80 to 2.30 percent. It has moved higherwith the
dollar, which is up about 2.5 percent against a basket of currencies. The 30
-year bond yield crossed the psychological 3 percent level Monday.
Mortgages and other financing are based on the 10-year, and fixed-rate and
other mortgages are already on the rise. The 30-year fixed rate mortg... 阅读全帖 |
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M*S
发帖数: 459 | 48 【 以下文字转载自 Working 讨论区 】
发信人: MHS (QQQ), 信区: Working
标 题: 这里有人做fixed income 的吗？
发信站: BBS 未名空间站 (Thu Jun 16 21:04:17 2011, 美东)
最近有一个offer，公司是做fixed income 有关swap & bond 之类的金融公司，公司催
的紧，马上需要答复了。现在待的公司虽然没有什么前途，但是待着挺舒服的，我没有
任何金融方面的经验，现在很犹豫要不要去，不知道做这一行，工作机会多吗？有什么
利弊？多谢！ |
|
z***1
发帖数: 152 | 49 The sad reality is that my town requires me, as the buyer, to fix up the
sidewalk even before the closing otherwise they will not issue CCO. And they
said that they would do a favor for me to issue an expedite permit for the
fix-up. How corrupted is that?!
solely
ploy,
dollars |
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J**********y
发帖数: 1891 | 50 诚聘自动交易系统和FIX编程老师和顾问
小弟在工作之余，在初学FIX编程，目标是把自己的TRADING PLATFORM和BROKERAGE连起
来，总觉的学不会，学不快，还请专家指点。
报酬好说，
非常感谢。 |
|
