w**d
发帖数: 48 | 1 50万的贷款，一个是0.375 difference, 一个是0.25 but with $3000 credit. | H******7
发帖数: 34403 | | w**d
发帖数: 48 | 3 ???。。。哥们太搞笑了吧？
【在 H******7 的大作中提到】
: 胸大的
| r******d
发帖数: 1879 | 4 your loan amount * 0.125 will be the money you can save per year, if you
compare with two rate.
If $3000 credit can take years to break it even, I would suggest you to take
the 0.25 with creidt.
Make sure, you can close with that credits since many escrow/lender will not
allow you are over credit.
【在 w**d 的大作中提到】
: 50万的贷款，一个是0.375 difference, 一个是0.25 but with $3000 credit.
| w******t
发帖数: 16937 | 5 老胡选的没错。
???。。。哥们太搞笑了吧？
★ Sent from iPhone App: iReader Mitbbs Lite 7.56
【在 w**d 的大作中提到】
: ???。。。哥们太搞笑了吧？
| w**d
发帖数: 48 | 6 Could u plz explain more on "Make sure, you can close with that credits
since many escrow/lender will not allow you are over credit?"
take
not
【在 r******d 的大作中提到】
: your loan amount * 0.125 will be the money you can save per year, if you
: compare with two rate.
: If $3000 credit can take years to break it even, I would suggest you to take
: the 0.25 with creidt.
: Make sure, you can close with that credits since many escrow/lender will not
: allow you are over credit.
| k**g
发帖数: 1558 | 7 Don't forget the tax deduction on 0.125 difference.
take
not
【在 r******d 的大作中提到】
: your loan amount * 0.125 will be the money you can save per year, if you
: compare with two rate.
: If $3000 credit can take years to break it even, I would suggest you to take
: the 0.25 with creidt.
: Make sure, you can close with that credits since many escrow/lender will not
: allow you are over credit.
| w**d
发帖数: 48 | 8 $3000 is not tax deductable, right?
【在 k**g 的大作中提到】
: Don't forget the tax deduction on 0.125 difference.
:
: take
: not
| P***0
发帖数: 368 | 9 if no other fee, and not consider tax, assuming 30yr, rates are 3.75 vs 3.
875:
it will break even after 5.7yrs, and overall (30 yr) the 2nd one will over
pay about 17k interest.
just find a mortgage spreadsheet,
one with 50w principle, the other with 49.7w principle and get your exact
rate, then make a monthly adjustment to make sure monthly payment is the
same, and you will find out.
to me, get a higher rate with larger credit (if you can claim all) is a
better option.
【在 w**d 的大作中提到】
: 50万的贷款，一个是0.375 difference, 一个是0.25 but with $3000 credit.
| w**d
发帖数: 48 | 10 So, if my refinance for ARM. I should definitely go for the higher rate with
larger credit.?, because I have to do refinance to 30yr fixed after several
years anyway..
【在 P***0 的大作中提到】
: if no other fee, and not consider tax, assuming 30yr, rates are 3.75 vs 3.
: 875:
: it will break even after 5.7yrs, and overall (30 yr) the 2nd one will over
: pay about 17k interest.
: just find a mortgage spreadsheet,
: one with 50w principle, the other with 49.7w principle and get your exact
: rate, then make a monthly adjustment to make sure monthly payment is the
: same, and you will find out.
: to me, get a higher rate with larger credit (if you can claim all) is a
: better option.
| q*z
发帖数: 13362 | 11 还能拿现金?拿钱的好,看看条款多久可以再refinance
【在 w**d 的大作中提到】
: 50万的贷款，一个是0.375 difference, 一个是0.25 but with $3000 credit.
| P***0
发帖数: 368 | 12 I do not have the your exact# (e.g., closing costs, exact rate, exact
principle ...)
but if 5.7 yr breakeven was accurate, as long as you refi in 5.7yrs, the
second option is better. So, if you are 5/1, yes; if 7/1 depends, but most
likely yes.
with
several
【在 w**d 的大作中提到】
: So, if my refinance for ARM. I should definitely go for the higher rate with
: larger credit.?, because I have to do refinance to 30yr fixed after several
: years anyway..
|
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