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Living版 - RE-Finance: mortage rate vs APR
相关主题
Refinance HELP今天的rate
请教:Refinance no cost 是真的没有费用吗?No cost refi locked at 4% 15yr fixed rate
为什么rate和apr之间会差的不一样呢?broker一般收多少origination fee?
几个关于loan 的问题请教菜鸟问refinance的问题
最近利率降了很多吗为什么看到很多人的RATE=APR?
REFINANCE的问题Locked Rate 3.0% today for 15-year
关于refinance的no cost怎么理解现在refinance 15yr大家能拿到什么rate?
refinance 的 final cost 问题Is this too good to be true?
相关话题的讨论汇总
话题: apr话题: rate话题: cost话题: finance话题: mortage
进入Living版参与讨论
1 (共1页)
d****g
发帖数: 93
1
Just get to know, the re-finance is monthly rate, by NOT APR.
Mortage rate 3.375=APR 3.455
Is this cheating?
a*w
发帖数: 4495
2
既然你都refi了,上次买房时没学习过这两个概念的区别?

【在 d****g 的大作中提到】
: Just get to know, the re-finance is monthly rate, by NOT APR.
: Mortage rate 3.375=APR 3.455
: Is this cheating?

d****g
发帖数: 93
3
:) ^)
k******o
发帖数: 3328
4
如果是no point, no fee, technically來說,APR跟MORTGAGE RATE是一样的,但是出gfe的時候,因為assume是
borrower出一系列的費用,Apr高些。只要你broker講好no point, no fee.就安啦。
d****g
发帖数: 93
5
听你解释,我更糊涂了。
t****u
发帖数: 8614
6
APR is (first year interest + closing cost)/loan amount
Though your agent will refund your closing cost for no point no cost loan,
he/she still need to disclose it on the paper per the regulation.

【在 d****g 的大作中提到】
: 听你解释,我更糊涂了。
d****g
发帖数: 93
7
you mean:
first year: APR =(interest + closing cost)/Loan amount
after first year: APR= interest/Loan amount
???
b*d
发帖数: 9308
8
不必特别在意document里面的APR,只要你的Refinance是No cost的,那么实际的APR就是
等于Rate.

【在 d****g 的大作中提到】
: you mean:
: first year: APR =(interest + closing cost)/Loan amount
: after first year: APR= interest/Loan amount
: ???

d****g
发帖数: 93
9
sorry, 怎么越听越糊涂, 那位大虾给解释一下, 谢谢。
b*d
发帖数: 9308
10
你是要问什么是No cost的Refinance吗?

【在 d****g 的大作中提到】
: sorry, 怎么越听越糊涂, 那位大虾给解释一下, 谢谢。
f*****u
发帖数: 729
11
就refinance来说, 我一般不太建议client深究一些术语,因为三言两语说不清楚,
反到让client更不放心。
client只需要关心在做refi的过程中有没有付除了本金和利息的其他任何费用。(除了一两天的overlap interest)
就APR来说, 它包括很多东西,简单来说, 其中和client有关的就是prepay interest,如果扣除prepay interest,APR还不等于rate,那就不能算我们通常说的no closing cost refi. 也就是你出了closing cost.
但是对purchase loan就不同了,因为一般buyer多少都会出些closing cost, 这个时候APR一定不同于rate

【在 d****g 的大作中提到】
: Just get to know, the re-finance is monthly rate, by NOT APR.
: Mortage rate 3.375=APR 3.455
: Is this cheating?

a*w
发帖数: 4495
12
即使没有任何费用,APR也还是比rate高那么一点点。
月利率 = rate / 12
APR = (1 + 月利率) ^ 12 - 1

出gfe的時候,因為assume是

【在 k******o 的大作中提到】
: 如果是no point, no fee, technically來說,APR跟MORTGAGE RATE是一样的,但是出gfe的時候,因為assume是
: borrower出一系列的費用,Apr高些。只要你broker講好no point, no fee.就安啦。

j*******0
发帖数: 347
13
the initial purpose of APR is from truth-in-lending, providing a general
measure for consumers to do a smart shopping. A simple rate quote is not
telling a whole story because a lot of prepaid finance cost will be
associated with any type of loan. But no good job is done here as most
consumers, just like you, get more perplexed.
If you are doing refinance, you do not need to worry about this too much as
long as your agent covers the cost (underwriting, title, escrow,) for you.
If you are doing purchase, you need to ask underwriting-related cost because
some of them will go to the calculation of APR.

【在 d****g 的大作中提到】
: Just get to know, the re-finance is monthly rate, by NOT APR.
: Mortage rate 3.375=APR 3.455
: Is this cheating?

1 (共1页)
进入Living版参与讨论
相关主题
Is this too good to be true?最近利率降了很多吗
How about this refinance rate?REFINANCE的问题
Refinance rate 4.625 for 30 yrs (no cost) (转载)关于refinance的no cost怎么理解
No Cost Refinance 3.875% 15 years 如何?refinance 的 final cost 问题
Refinance HELP今天的rate
请教:Refinance no cost 是真的没有费用吗?No cost refi locked at 4% 15yr fixed rate
为什么rate和apr之间会差的不一样呢?broker一般收多少origination fee?
几个关于loan 的问题请教菜鸟问refinance的问题
相关话题的讨论汇总
话题: apr话题: rate话题: cost话题: finance话题: mortage