m**U
发帖数: 543 | 1 贷款的时候银行利息还挺高的，手里又有一些闲钱在银行白放着。为什么周围朋友都说
首付不要超过20%，能贷30年千万别贷15年。想问一下，把房子付清有哪些坏处呢？
欢迎指教，谢谢！ |
o******8
发帖数: 620 | 2 据说是liquidity低，说白了就是你把大把的钞票都压在一栋房子上，
没准什么时候有个其他想法（换工作，换地方，买第二套房，或者是
国内亲戚有个急用等等）却
没有钱了，看着大房子干着急，卖出去也要一段时间。
相反，如果你把钱留在账号上就没有上面的问题。
当然我的理解也可能不对，还是让高手指点吧
【在 m**U 的大作中提到】
: 贷款的时候银行利息还挺高的，手里又有一些闲钱在银行白放着。为什么周围朋友都说
: 首付不要超过20%，能贷30年千万别贷15年。想问一下，把房子付清有哪些坏处呢？
: 欢迎指教，谢谢！
|
z****7
发帖数: 880 | 3 出事了跑不了?现金可以转移,房子跑不了,假设突然来一次重大打击,需要破产清算,房子也
保不住了吧
【在 m**U 的大作中提到】
: 贷款的时候银行利息还挺高的，手里又有一些闲钱在银行白放着。为什么周围朋友都说
: 首付不要超过20%，能贷30年千万别贷15年。想问一下，把房子付清有哪些坏处呢？
: 欢迎指教，谢谢！
|
m**U
发帖数: 543 | |
g*****g
发帖数: 34805 | 5 Mortgage rate is low, you can get 30 yrs below 4% and tax dedutible.
It's not hard to get return higher than that.
In any case, you should refinance.
【在 m**U 的大作中提到】
: 贷款的时候银行利息还挺高的，手里又有一些闲钱在银行白放着。为什么周围朋友都说
: 首付不要超过20%，能贷30年千万别贷15年。想问一下，把房子付清有哪些坏处呢？
: 欢迎指教，谢谢！
|
p********r
发帖数: 1980 | 6 There is home equity loan.
【在 o******8 的大作中提到】
: 据说是liquidity低，说白了就是你把大把的钞票都压在一栋房子上，
: 没准什么时候有个其他想法（换工作，换地方，买第二套房，或者是
: 国内亲戚有个急用等等）却
: 没有钱了，看着大房子干着急，卖出去也要一段时间。
: 相反，如果你把钱留在账号上就没有上面的问题。
: 当然我的理解也可能不对，还是让高手指点吧
|
p********r
发帖数: 1980 | 7 It is illegal to 转移现金. However, it is legal to have homestead exemption
to protect you against lawsuit.
房子也
【在 z****7 的大作中提到】
: 出事了跑不了?现金可以转移,房子跑不了,假设突然来一次重大打击,需要破产清算,房子也
: 保不住了吧
|
p********r
发帖数: 1980 | 8 I think it depends. Emergency cash is most important, after that...
If the house is worth $500K and you have 10 millions. I would recommend
paying off the house because it is such a small portion of your asset. If
you only have $500K, no way you want to pay off your house (i.e. you reject
a government subsidized loan and put all your money into an asset that is
very slow in appreciation.)
It is also OK to pay off the house, if you want to use the credit line to
buy a bigger house. Having a small loan on your balance sheet limits your
ability to get new loans because the lenders look at the monthly payment
rather than the total amount. So it is usually a good idea to pay off the
car loan, if you are buying a house near your borrowing limit.
Lastly, for rental investment, I believe in cashflow rather than total net
equity. The guys who have paid off rental house sleep much better in 08/09
years than the guys who are borrowing with maximal leverage. Even in normal
days, a few missed payments from your tenants can cause real headache for
the guy with maximal leverage.
【在 g*****g 的大作中提到】
: Mortgage rate is low, you can get 30 yrs below 4% and tax dedutible.
: It's not hard to get return higher than that.
: In any case, you should refinance.
|
p********r
发帖数: 1980 | 9 The real question is: would you buy a CD with 3-4% interest rate with your
money with big withdraw penalty (say up to 6%)? That is the same as paying
off the house.
To me, I don't really buy the argument that 能贷30年千万别贷15年. It is an
asset allocation choice. Also buy home, earthquake, flood insurance because
once you paid off the house, you are on your own.
Another risk is divorce, your wife claims you're abusing her and gets you
kicked out. you're broke, she's living in a paid off house. no money to
litigate because you lost your job. then she HELOCS the crap out of it and
spend with her new boyfriend because she hates you.:-)
【在 m**U 的大作中提到】
: 贷款的时候银行利息还挺高的，手里又有一些闲钱在银行白放着。为什么周围朋友都说
: 首付不要超过20%，能贷30年千万别贷15年。想问一下，把房子付清有哪些坏处呢？
: 欢迎指教，谢谢！
|
y***e
发帖数: 6082 | 10 那是broker都这么说吧，贷30年等于买两栋或者更多的房子，如果两口子都工作而且有
闲钱，为啥不早点付清
【在 m**U 的大作中提到】
: 贷款的时候银行利息还挺高的，手里又有一些闲钱在银行白放着。为什么周围朋友都说
: 首付不要超过20%，能贷30年千万别贷15年。想问一下，把房子付清有哪些坏处呢？
: 欢迎指教，谢谢！
|
s********n
发帖数: 1962 | 11 Money has time value. A simple sum of payments over 30 years is
meaningless.
【在 y***e 的大作中提到】
: 那是broker都这么说吧，贷30年等于买两栋或者更多的房子，如果两口子都工作而且有
: 闲钱，为啥不早点付清
|
y***e
发帖数: 6082 | 12 按照自己的想法做就行了，钱的时间价值对于大部分人来说都没有太大意义，对于版上
的投资大牛除外
【在 s********n 的大作中提到】
: Money has time value. A simple sum of payments over 30 years is
: meaningless.
|
p***t
发帖数: 174 | 13 Debt is debt. Pay it off if you can. Even for a good investor, it's better
to have a distribution plan for your investment gains.
【在 y***e 的大作中提到】
: 按照自己的想法做就行了，钱的时间价值对于大部分人来说都没有太大意义，对于版上
: 的投资大牛除外
|
q****x
发帖数: 7404 | 14 many companies carry debt.
if you can make profit from the debt, why not carry?
【在 p***t 的大作中提到】
: Debt is debt. Pay it off if you can. Even for a good investor, it's better
: to have a distribution plan for your investment gains.
|
