n****o
发帖数: 127 | | b*d
发帖数: 9308 | 2 我觉得不值。Closing Cost能省一点是一点。
【在 n****o 的大作中提到】
: RT
| N******u
发帖数: 435 | 3 Depends on what you can do with the money before you hand it in:
1) how good you are at investment;
2) how much your property tax+insurance are;
3) how long you want to pay the loan.
If you
1) No skill of investment; No difference with escrow or not.
2) $100/year; Even you are good at investment, you won't get $400 back from
temporary invest $100/year.
3) You'll pay back the mortgage in a year. Then no much difference neither.
On the other hand, if none of them is true, you have 10K property tax to
invest before hand it in, even the interest is 1%, you will get the $400 back
after only 4 years. Certainly, you might get it back in one day if you put the
money into stock market.
Above all, the first factor is most decisive.
【在 n****o 的大作中提到】
: RT
| d******n
发帖数: 2712 | 4 要看LZ的loan amount是多大了，基本上等于出钱买point。 |
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