x******o
发帖数: 113 | | k******o
发帖数: 3328 | 2 <= 4.00% 30 year fixed for $417K, No Point No Fee
This rate had only occurred a few days this year in CA (i.e. Sep 6, 2011, today too)
Today's rate is one of the lowest in CA.
【在 x******o 的大作中提到】
: thank you
| y******n
发帖数: 8667 | 3 If it is no any cost close, anything below 4.25 is worth to do. | x******o
发帖数: 113 | 4 多谢!
我再贷款是不是又要贷30年.
那我去年还贷钱不是白交了?
today too)
【在 k******o 的大作中提到】
: <= 4.00% 30 year fixed for $417K, No Point No Fee
: This rate had only occurred a few days this year in CA (i.e. Sep 6, 2011, today too)
: Today's rate is one of the lowest in CA.
| C******r
发帖数: 1385 | 5 你去年交的绝大部分都是利息，一点都不亏。
【在 x******o 的大作中提到】
: 多谢!
: 我再贷款是不是又要贷30年.
: 那我去年还贷钱不是白交了?
:
: today too)
| k******o
发帖数: 3328 | 6 You have multiple choice, 30 year fixed is one option.
Although the monthly mortgage payment remains the same (constant), however,
percentage of principle will increase asymptotically. Thus in the last few
years, a fair amount of the monthly mortgage payment will go toward your
principle.
There are variety ways to check "那我去年还贷钱不是白交了". One way might be
following:
Assume you already paid one year mortgage, after refinancing to lower rate (
at least 0.25% lower, no point no fee), given you maintain the current (old)
monthly mortgage payment, if you are able to pay off within 29 years, it is
worthy trying. Otherwise leave it along.
Some lender will not approve the refinancing unless there is 0.25% down in
the same product category (i.e. 30 year fixed).
【在 x******o 的大作中提到】
: 多谢!
: 我再贷款是不是又要贷30年.
: 那我去年还贷钱不是白交了?
:
: today too)
| x******o
发帖数: 113 | 7 多谢多谢!了解了.
,
be
(
old)
is
【在 k******o 的大作中提到】
: You have multiple choice, 30 year fixed is one option.
: Although the monthly mortgage payment remains the same (constant), however,
: percentage of principle will increase asymptotically. Thus in the last few
: years, a fair amount of the monthly mortgage payment will go toward your
: principle.
: There are variety ways to check "那我去年还贷钱不是白交了". One way might be
: following:
: Assume you already paid one year mortgage, after refinancing to lower rate (
: at least 0.25% lower, no point no fee), given you maintain the current (old)
: monthly mortgage payment, if you are able to pay off within 29 years, it is
|
|
