t*m
发帖数: 4414 | 1 fixed mortgage 买点很好理解。就是closing的时候，我给银行钱，mortgage rate下
降若干若干。这个下降的值适用于整个贷款期。
ARM 买点，每次rate adjustment的时候，买的点儿怎么算？ |
c**m
发帖数: 1457 | 2 By default, the points mostly impact the first fixed period only. Afterward,
the rate is changed according to LIBOR index plus margin that the lender
gives to you upfront as long as it's within the caps. The only way that the
points you buy may impact long term is that when the rate rises to above
caps, then the points will count as well.
For example for 5/1 ARM with 2/2/5 Cap, if you don't buy points, rate starts
at 3.0%, then the maximum rate could not be over 8%. But if you buy points
to drop initial rate to 2.5%. Then the life time rate can't go beyond 7.5%.
I would not recommend to buy points for ARM in general. Only some special
case might worth it. |
t*m
发帖数: 4414 | 3 所以买点的话，还是fixed loan 有优势？ |
c**m
发帖数: 1457 | 4 Yes
【在 t*m 的大作中提到】
: 所以买点的话，还是fixed loan 有优势？
|
t*m
发帖数: 4414 | 5 同样的load amount, 同样买低1%利率。 fix loan 和 arm loan, 买点费用也不一样吧？
【在 c**m 的大作中提到】
: Yes
|
c**m
发帖数: 1457 | 6 you are right. The cost for ARM is lower.
Thanks,
Hongmei
吧？
【在 t*m 的大作中提到】
: 同样的load amount, 同样买低1%利率。 fix loan 和 arm loan, 买点费用也不一样吧？
|
t*m
发帖数: 4414 | 7 所以买房的时候，如果有人给买点儿（比如雇主），要仔细计算，看是不是fixed loan
更有利。
【在 c**m 的大作中提到】
: you are right. The cost for ARM is lower.
: Thanks,
: Hongmei
:
: 吧？
|
