t*********i
发帖数: 224 | 1 Down payment: 12,0000(20%) VS 18,3000 (not jumbo) diff: 63,000
Mort in 30 years (assume 0.25% rate difference) differ: 121262
Total difference (downpay+ mort in 30 years): 58,262
My question is that if I pay extra $63,000, the total gain is $58,262. Is it
worth? Is there something wrong in calculation?
Any agent can provide the jumbo rate? Credit score: >740
Thanks |
t*********i
发帖数: 224 | 2 In NY.
it
【在 t*********i 的大作中提到】
: Down payment: 12,0000(20%) VS 18,3000 (not jumbo) diff: 63,000
: Mort in 30 years (assume 0.25% rate difference) differ: 121262
: Total difference (downpay+ mort in 30 years): 58,262
: My question is that if I pay extra $63,000, the total gain is $58,262. Is it
: worth? Is there something wrong in calculation?
: Any agent can provide the jumbo rate? Credit score: >740
: Thanks
|
w******t
发帖数: 16937 | 3 楼主用k表示千吧，容易看，数零太累。然后，我没看明白楼主要问什么？
Down payment:
★ Sent from iPhone App: iReader Mitbbs Lite 7.56
【在 t*********i 的大作中提到】
: Down payment: 12,0000(20%) VS 18,3000 (not jumbo) diff: 63,000
: Mort in 30 years (assume 0.25% rate difference) differ: 121262
: Total difference (downpay+ mort in 30 years): 58,262
: My question is that if I pay extra $63,000, the total gain is $58,262. Is it
: worth? Is there something wrong in calculation?
: Any agent can provide the jumbo rate? Credit score: >740
: Thanks
|
f*********e
发帖数: 8453 | 4 我选jumbo。留着钱。
it
【在 t*********i 的大作中提到】
: Down payment: 12,0000(20%) VS 18,3000 (not jumbo) diff: 63,000
: Mort in 30 years (assume 0.25% rate difference) differ: 121262
: Total difference (downpay+ mort in 30 years): 58,262
: My question is that if I pay extra $63,000, the total gain is $58,262. Is it
: worth? Is there something wrong in calculation?
: Any agent can provide the jumbo rate? Credit score: >740
: Thanks
|
p******y
发帖数: 3523 | 5 最都算high balance吧，625K以下。除非county的high balance线太低，否则应该不会
算jumbo的。
目前，high balance的rate也不错呀。 |
t*********i
发帖数: 224 | 6 what is high balance:( and its rate?
Sorry for the confuse. I want to know which choice is better. |
t*********i
发帖数: 224 | 7 I found the maximumlimit for conforming loan is 625k. But the local bank use
417k as the limit.
For 600k house, 480k loan, could any broke give a quote of loan rate with
excellent credit record? Thank you very much. |
p******y
发帖数: 3523 | 8 Loan amount no more than 417K is conforming loan; between 417K to 625K is
high balance or super conforming.
Rate for high balance or super conforming is just 0.125% or 0.25% higher
than conforming loan. |
s*********e
发帖数: 4475 | 9 二十年以后的两块钱还值现在的一块钱吗？
趁利率低，能多借就多借些吧。
it
【在 t*********i 的大作中提到】
: Down payment: 12,0000(20%) VS 18,3000 (not jumbo) diff: 63,000
: Mort in 30 years (assume 0.25% rate difference) differ: 121262
: Total difference (downpay+ mort in 30 years): 58,262
: My question is that if I pay extra $63,000, the total gain is $58,262. Is it
: worth? Is there something wrong in calculation?
: Any agent can provide the jumbo rate? Credit score: >740
: Thanks
|
t*********i
发帖数: 224 | 10 谢谢回复。
自己算了半天发现首付多付63k，30年后总数才多付58k。63k的首付30年收益不到1%，
不可思议，
就觉得自己算错了，上来问问哪里是不是错了。
不明白为什么周围的人还要多付首付，把贷款降到417k一下呢？ |
j*********1
发帖数: 218 | 11 怎么我要贷500k， 打电话问了一圈， 都说是jumbo loan。 给我提供的rate 4% 的，4
.25%， 也有4.5%的。 怎么没听说过什么high balance的loan呀？
有一个broker 说给我做一个417k 的conforming loan，剩下的83k 做成第二个loan。
不知道这second loan 叫什么名目。 听说second loan rate 高， 每月浮动。有知道
的吗？
【在 p******y 的大作中提到】
: Loan amount no more than 417K is conforming loan; between 417K to 625K is
: high balance or super conforming.
: Rate for high balance or super conforming is just 0.125% or 0.25% higher
: than conforming loan.
|
