z**********i
发帖数: 12276 | 1 发现如果我用其他的银行转帐,他们要收我的钱,不多,3元.
所以考虑开个BOA的ACCOUNT,不知现在开他们的帐户有BONUS吗?
还有更好的办法吗? |
l********e
发帖数: 848 | 2 我用Wachovia付BOA mortgage, 没有手续费呀。
【在 z**********i 的大作中提到】
: 发现如果我用其他的银行转帐,他们要收我的钱,不多,3元.
: 所以考虑开个BOA的ACCOUNT,不知现在开他们的帐户有BONUS吗?
: 还有更好的办法吗?
|
z**********i
发帖数: 12276 | 3 我用US BANK,除了交MORTGAGE,又交了5000到pricipal,是不是跟这个有关系?
【在 l********e 的大作中提到】
: 我用Wachovia付BOA mortgage, 没有手续费呀。
|
w*******g
发帖数: 9932 | 4 why do you pay principal?
【在 z**********i 的大作中提到】
: 我用US BANK,除了交MORTGAGE,又交了5000到pricipal,是不是跟这个有关系?
|
z**********i
发帖数: 12276 | 5 手里还有点闲钱,与其放在那里,不如放到principal.
【在 w*******g 的大作中提到】
: why do you pay principal?
|
w*******g
发帖数: 9932 | 6 ft. What good does it do by paying the bank? You still pay the same amount
of
interests. You could have put it in a savings account and wait until you are
ready to pay off the loan. This way, you get some interests at least.
【在 z**********i 的大作中提到】
: 手里还有点闲钱,与其放在那里,不如放到principal.
|
p********r
发帖数: 1980 | 7 That's your misunderstanding. Of course the interest is reduced when you
reduce the principle. However, the after tax benefit mortgage rate is really
low right now. One may easily find higher returns elsewhere.
are
【在 w*******g 的大作中提到】
: ft. What good does it do by paying the bank? You still pay the same amount
: of
: interests. You could have put it in a savings account and wait until you are
: ready to pay off the loan. This way, you get some interests at least.
|
p********r
发帖数: 1980 | 8 有钱人.
【在 z**********i 的大作中提到】
: 我用US BANK,除了交MORTGAGE,又交了5000到pricipal,是不是跟这个有关系?
|
w*******g
发帖数: 9932 | 9 that is not my misunderstanding.
Do you get to less interests each month if you pay off some principal now?
Of course not. You are paying the same amount of mortgage each month still.
So what is the point of paying the principal now instead of when you are
ready
to pay off the whole thing in the end.
really
【在 p********r 的大作中提到】
: That's your misunderstanding. Of course the interest is reduced when you
: reduce the principle. However, the after tax benefit mortgage rate is really
: low right now. One may easily find higher returns elsewhere.
:
: are
|
l*****o
发帖数: 26631 | 10 提前把本金还掉的话，利息应该是不一样的吧？
are
【在 w*******g 的大作中提到】
: ft. What good does it do by paying the bank? You still pay the same amount
: of
: interests. You could have put it in a savings account and wait until you are
: ready to pay off the loan. This way, you get some interests at least.
|
p********r
发帖数: 1980 | 11 Your mortgage payment won't be reduced. But your interest portion will be
reduced when you have less principle. Unless your saving account has better
yields than the mortgage rate, it does not make sense to put money into
saving accounts (unless for a small amount of emergency funds for instant
liquidity).
【在 w*******g 的大作中提到】
: that is not my misunderstanding.
: Do you get to less interests each month if you pay off some principal now?
: Of course not. You are paying the same amount of mortgage each month still.
: So what is the point of paying the principal now instead of when you are
: ready
: to pay off the whole thing in the end.
:
: really
|
w*******g
发帖数: 9932 | 12 that is true. :)
better
【在 p********r 的大作中提到】
: Your mortgage payment won't be reduced. But your interest portion will be
: reduced when you have less principle. Unless your saving account has better
: yields than the mortgage rate, it does not make sense to put money into
: saving accounts (unless for a small amount of emergency funds for instant
: liquidity).
|
a***m
发帖数: 157 | 13 This is your misunderstanding.
If you pay extra principal, you will pay less interest next month, though
the total monthly payment is still the same.
【在 w*******g 的大作中提到】
: that is not my misunderstanding.
: Do you get to less interests each month if you pay off some principal now?
: Of course not. You are paying the same amount of mortgage each month still.
: So what is the point of paying the principal now instead of when you are
: ready
: to pay off the whole thing in the end.
:
: really
|
z**********i
发帖数: 12276 | 14 放到principal里,利息的部分会减少,虽然,每个月的PAYMENT并没有减少,但贷款的时间
缩短.
对于我们目前还没有找到更高回报的投资方式,就放到里面比简单存银行强,并且,钱存
到银行里很容易被花掉.放到PRINCIPAL里就拿不出来了.
better
【在 p********r 的大作中提到】
: Your mortgage payment won't be reduced. But your interest portion will be
: reduced when you have less principle. Unless your saving account has better
: yields than the mortgage rate, it does not make sense to put money into
: saving accounts (unless for a small amount of emergency funds for instant
: liquidity).
|
