i********6
发帖数: 4766 | |
y****i
发帖数: 17878 | 2 you have a starter townhouse, right?
Maybe ARM is a better choice for you.
【在 i********6 的大作中提到】
: hard to decide......
|
w*****g
发帖数: 3922 | 3 我认为要选每月的payment最少的那种（不是ARM），理由很简单，15年后的钱跟现在比
值多少？20年之后呢？
欢迎对我的观点批评，也是我学习的过程。
【在 i********6 的大作中提到】
: hard to decide......
|
i********6
发帖数: 4766 | 4 what's the advantage of going ARM? I've never learned about it.
【在 y****i 的大作中提到】
: you have a starter townhouse, right?
: Maybe ARM is a better choice for you.
|
i********6
发帖数: 4766 | 5 but then with 30 yrs term, most of your 1st 5 years payment goes to interest
instead of principle. and overall you pay almost double interest of 15 yrs
term.
i guess that's the trade of of having $$ now in hand or have $$ later.
【在 w*****g 的大作中提到】
: 我认为要选每月的payment最少的那种（不是ARM），理由很简单，15年后的钱跟现在比
: 值多少？20年之后呢？
: 欢迎对我的观点批评，也是我学习的过程。
|
y****i
发帖数: 17878 | 6 http://www.bankrate.com/finance/mortgages/arm-vs-fixed-rate-mor
【在 i********6 的大作中提到】
: what's the advantage of going ARM? I've never learned about it.
|
w*****g
发帖数: 3922 | 7 我不在乎是付了本金还是付利息，我在乎的是我30年内付款总额已经确定，比如是60万
（本＋利），而15年可能需要45万。那意味着，
我前15年两者花销的对比是30：45。钱一直是贬值的，后15年的30万的购买力及对你的
重要程度肯定要远少于前15年的15万。
这是我的分析。
interest
yrs
【在 i********6 的大作中提到】
: but then with 30 yrs term, most of your 1st 5 years payment goes to interest
: instead of principle. and overall you pay almost double interest of 15 yrs
: term.
: i guess that's the trade of of having $$ now in hand or have $$ later.
|
O***n
发帖数: 13127 | 8 要交多少手续费？我对这15年的感兴趣
【在 i********6 的大作中提到】
: hard to decide......
|
i********6
发帖数: 4766 | 9 true....
but seeing the amortization schedule is still a pain...
【在 w*****g 的大作中提到】
: 我不在乎是付了本金还是付利息，我在乎的是我30年内付款总额已经确定，比如是60万
: （本＋利），而15年可能需要45万。那意味着，
: 我前15年两者花销的对比是30：45。钱一直是贬值的，后15年的30万的购买力及对你的
: 重要程度肯定要远少于前15年的15万。
: 这是我的分析。
:
: interest
: yrs
|
l*****a
发帖数: 14598 | 10 问题是前15年省下来的钱或者你手上的钱准备干什么用
如果只是放在银行的话...
投资的话很多方式都不保险
【在 w*****g 的大作中提到】
: 我不在乎是付了本金还是付利息，我在乎的是我30年内付款总额已经确定，比如是60万
: （本＋利），而15年可能需要45万。那意味着，
: 我前15年两者花销的对比是30：45。钱一直是贬值的，后15年的30万的购买力及对你的
: 重要程度肯定要远少于前15年的15万。
: 这是我的分析。
:
: interest
: yrs
|
|
|
l*****a
发帖数: 14598 | 11 别急
还没到底呢
【在 i********6 的大作中提到】
: hard to decide......
|
O***n
发帖数: 13127 | 12 could you explain more details? 让我学习学习，谢谢
【在 y****i 的大作中提到】
: you have a starter townhouse, right?
: Maybe ARM is a better choice for you.
|
i********6
发帖数: 4766 | 13 0 for 15 yr, maybe some fee to 30, depends on your loan size.
【在 O***n 的大作中提到】
: 要交多少手续费？我对这15年的感兴趣
|
O***n
发帖数: 13127 | 14 PM 我个联系方式？
【在 i********6 的大作中提到】
: 0 for 15 yr, maybe some fee to 30, depends on your loan size.
|
w*****g
发帖数: 3922 | 15 不投资，完全拿来提高自己的生活质量也可以。完全以购买力来算的话，不做任何投资
，30年都是更合算的。
还是那句话，完全是我的观点，我也期待有人帮我指出问题所在。
【在 l*****a 的大作中提到】
: 问题是前15年省下来的钱或者你手上的钱准备干什么用
: 如果只是放在银行的话...
: 投资的话很多方式都不保险
|
l*****a
发帖数: 14598 | 16 你不是都有两套了吗？
还买？
人比人真是。。。。
【在 O***n 的大作中提到】
: PM 我个联系方式？
|
i********6
发帖数: 4766 | 17 en, i decided went for 30 yrs lah. thanks for your suggestion.
【在 w*****g 的大作中提到】
: 不投资，完全拿来提高自己的生活质量也可以。完全以购买力来算的话，不做任何投资
: ，30年都是更合算的。
: 还是那句话，完全是我的观点，我也期待有人帮我指出问题所在。
|
w*****g
发帖数: 3922 | 18 不看即可。要学习美国人。我们能不能活到15年后还不知道，要想尽办法善待自己，比
如尽量避免跟别人吵架，不管是现实中，还是网络上。呵呵。
【在 i********6 的大作中提到】
: true....
: but seeing the amortization schedule is still a pain...
|
w*****g
发帖数: 3922 | 19 不管我说的是对还是错，但如果我的建议让你感觉到更好，那么对我也是很好的感觉。
谢谢！
【在 i********6 的大作中提到】
: en, i decided went for 30 yrs lah. thanks for your suggestion.
|
y****i
发帖数: 17878 | 20 there are several important assumptions:
1. it's a starter home, meaning you'll move up and sell it in certain number
of years;
2. ARM gives you the lowest interest rate, meaning the lowest monthly
payment;
3. you can afford the higher rate when the fixed-rate period is over if #1
doesn't happen.
if you're not comfortable with the above, go for a fixed-rate mortgage
【在 O***n 的大作中提到】
: could you explain more details? 让我学习学习，谢谢
|
|
|
O***n
发帖数: 13127 | 21 那我现在每个月还多付20％的principle的行为是很傻的？当然我的是小破condo。 还有14万mortgage. 我要去15年的refinance 吗？ 人家看的上给我做refinance吗
number
【在 y****i 的大作中提到】
: there are several important assumptions:
: 1. it's a starter home, meaning you'll move up and sell it in certain number
: of years;
: 2. ARM gives you the lowest interest rate, meaning the lowest monthly
: payment;
: 3. you can afford the higher rate when the fixed-rate period is over if #1
: doesn't happen.
: if you're not comfortable with the above, go for a fixed-rate mortgage
|
y****i
发帖数: 17878 | 22 wise or stupid all depends on your specific situation
your loan is too small, probably cannot get no cost refinancing
还有14万mortgage. 我要去15年的refinance 吗？ 人家看的上给我做refinance吗
【在 O***n 的大作中提到】
: 那我现在每个月还多付20％的principle的行为是很傻的？当然我的是小破condo。 还有14万mortgage. 我要去15年的refinance 吗？ 人家看的上给我做refinance吗
:
: number
|
i********6
发帖数: 4766 | 23 15 yrs for 140k can get no cost now. but will be fee if you do 30 yrs
还有14万mortgage. 我要去15年的refinance 吗？ 人家看的上给我做refinance吗
【在 O***n 的大作中提到】
: 那我现在每个月还多付20％的principle的行为是很傻的？当然我的是小破condo。 还有14万mortgage. 我要去15年的refinance 吗？ 人家看的上给我做refinance吗
:
: number
|
s*********5
发帖数: 5637 | 24 Call your mortgage bank first and tell them you are thinking of refinance
with another company, and see if they can lower your rate without much of your efforts and fee on refi.
Although I have not done this calculation myself. I believe the best way is to calculate whether it is worth it to refi is to calculate the Net Present Value (NPV)
of your current mortgage. If that rate is lower than the calculated APR (which includes all the fees included with refi), it will not be worthwhile to refi.
I've also heard that the rule of thumb is that if the current rate is 0.5% lower than your mortgage rate, it may be a good deal.
There are other mortgage professionals on the board, they may be able to
offer you good suggestions. |
s*********5
发帖数: 5637 | 25 My personal view is that with historic low rate, it is better to lock in
a fixed rate rather than Adjustable Rate Mortage (ARM). Although ARM
was much better than fixed rate in the past, most of the people speculate
that the interest rate will go significantly higher in the future with the
sky high debt owed by the government. |
s*********5
发帖数: 5637 | 26 When you have extra money, you usually have the option to pay down the
principle directly, thus decrease your overall interest payment.
However, if you stretch yourself too thin in paying for a higher amount each
month, if anything happened, you don't always have the option not to pay
the required amount.
Hope this makes sense in answering your question. |
i********6
发帖数: 4766 | 27 Enna, totally agree.
Thanks, MUA!
each
【在 s*********5 的大作中提到】
: When you have extra money, you usually have the option to pay down the
: principle directly, thus decrease your overall interest payment.
: However, if you stretch yourself too thin in paying for a higher amount each
: month, if anything happened, you don't always have the option not to pay
: the required amount.
: Hope this makes sense in answering your question.
|
t*Q
发帖数: 7840 | 28 是这个理，一种比较保守的策略。
each
【在 s*********5 的大作中提到】
: When you have extra money, you usually have the option to pay down the
: principle directly, thus decrease your overall interest payment.
: However, if you stretch yourself too thin in paying for a higher amount each
: month, if anything happened, you don't always have the option not to pay
: the required amount.
: Hope this makes sense in answering your question.
|
O***n
发帖数: 13127 | 29 great. 省下钱来吃几顿
【在 i********6 的大作中提到】
: 15 yrs for 140k can get no cost now. but will be fee if you do 30 yrs
:
: 还有14万mortgage. 我要去15年的refinance 吗？ 人家看的上给我做refinance吗
|
O***n
发帖数: 13127 | 30 my current one is 5.5.
我有extra就花了，还不如给自己压力放进去。
your efforts and fee on refi.
is to calculate whether it is worth it to refi is to calculate the Net
Present Value (NPV)
which includes all the fees included with refi), it will not be worthwhile
to refi.
lower than your mortgage rate, it may be a good deal.
【在 s*********5 的大作中提到】
: Call your mortgage bank first and tell them you are thinking of refinance
: with another company, and see if they can lower your rate without much of your efforts and fee on refi.
: Although I have not done this calculation myself. I believe the best way is to calculate whether it is worth it to refi is to calculate the Net Present Value (NPV)
: of your current mortgage. If that rate is lower than the calculated APR (which includes all the fees included with refi), it will not be worthwhile to refi.
: I've also heard that the rule of thumb is that if the current rate is 0.5% lower than your mortgage rate, it may be a good deal.
: There are other mortgage professionals on the board, they may be able to
: offer you good suggestions.
|
|
|
g*******e
发帖数: 1706 | 31 I would vote for 30y. The difference is .5%, and depending on your tax
situation, the true delta to you is less than .5%. Why carry the burden of
higher monthly obligation?
On the flip side, if the $$ saved is not to enrich your personal life, and
not to do higher yield investment, but just to let inflation eat into your
saving's account, or you have a track record of buying high selling low, it
is not a bad idea to pay off the loan as quickly as possible. Money not
wasted is money earned:) |
e*********u
发帖数: 3591 | 32 Vote for ARM. Save money for your next primary residence.
【在 y****i 的大作中提到】
: you have a starter townhouse, right?
: Maybe ARM is a better choice for you.
|
O***n
发帖数: 13127 | 33 你这老抠的球糠高工的存款大概可以买我的几十个了吧
【在 l*****a 的大作中提到】
: 你不是都有两套了吗？
: 还买？
: 人比人真是。。。。
|
l****n
发帖数: 1171 | 34 问下来我好几个朋友都选的5年ARM的，就我很保守选了fixed. |
y****i
发帖数: 17878 | 35 BSO you purchased your dream home for the long haul //hoho
【在 l****n 的大作中提到】
: 问下来我好几个朋友都选的5年ARM的，就我很保守选了fixed.
|
n*******e
发帖数: 974 | 36 疑问， 最近的利率不是很低的吗？15年3.375， 30年4.125， ARM才3， 难道你是High
Balance？
http://www.ericfang.com/ |
l****n
发帖数: 1171 | 37 不贷白不贷，贷着呗，利息还能抵税，多好呀。
【在 y****i 的大作中提到】
: BSO you purchased your dream home for the long haul //hoho
|
l****n
发帖数: 1171 | 38 前两周15年3.5呀，难道这几天又降了？
High
【在 n*******e 的大作中提到】
: 疑问， 最近的利率不是很低的吗？15年3.375， 30年4.125， ARM才3， 难道你是High
: Balance？
: http://www.ericfang.com/
|
l****n
发帖数: 1171 | 39 大家有木有觉得相比国内6％或7％的贷款利率，在美国贷款超爽呀？ |
