l******l
发帖数: 116 | 1 假设我现在贷30w，用7yr arm。这七年间，我的收入变化很大，principal到七年结束
的时候付了25w。那变成浮动利率以后，按照哪个principal付mortgage？如果在不
refinance的情况下？ | w******p
发帖数: 166 | 2 depending on your ARM terms, the 2%+ and 2% increase and 5% max add may be
different.
normally if you have 3% 5-arm now, on the 6th year it will be aiming at 2%+
libor, say libor at that time is 5%, your rate will target at 7%, however,
it has to raise to 7% in stages, max 2% increase per year, so in this case
on the 6th year you pay 4%, on 7th 6%, and on 8th and afterwards 7% (if
libor stays at 5%)
On the other hand, if on the 6th year libor becomes 0.5%, then your rate
becomes 2.5%. | b********3
发帖数: 994 | 3 按照变化当时的principle来决定interest amount。 | g*q
发帖数: 26623 | 4 答非所问
人家问得是,如果有additional payment,5年后ARM adjust的时候越共是按最早的本金+
30年付款期限计算还是按adjust时的余额+25年付款期限算.
一般来说都是按adjust时的余额+25年付款期限算越共,这样才能保证你在30年后能付清
.如果按最早的本金+30年付款期限算,如果没有additional payment,rate变了的话,30
年后可能无法还清.
【在 w******p 的大作中提到】
: depending on your ARM terms, the 2%+ and 2% increase and 5% max add may be
: different.
: normally if you have 3% 5-arm now, on the 6th year it will be aiming at 2%+
: libor, say libor at that time is 5%, your rate will target at 7%, however,
: it has to raise to 7% in stages, max 2% increase per year, so in this case
: on the 6th year you pay 4%, on 7th 6%, and on 8th and afterwards 7% (if
: libor stays at 5%)
: On the other hand, if on the 6th year libor becomes 0.5%, then your rate
: becomes 2.5%.
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