g***l 发帖数: 352 | 1 【 以下文字转载自 TonyXuClub 俱乐部 】
发信人: gbull (gbull), 信区: TonyXuClub
标 题: ARM or 30year fixed
发信站: BBS 未名空间站 (Sat Dec 15 19:03:29 2012, 美东)
现在的情形下,refinance应该选ARM还是30year fixed? |
o*****p 发帖数: 5952 | 2 看个人的情形.If you just live there for a few year and sale, surely go for
ARM.
【在 g***l 的大作中提到】 : 【 以下文字转载自 TonyXuClub 俱乐部 】 : 发信人: gbull (gbull), 信区: TonyXuClub : 标 题: ARM or 30year fixed : 发信站: BBS 未名空间站 (Sat Dec 15 19:03:29 2012, 美东) : 现在的情形下,refinance应该选ARM还是30year fixed?
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r******l 发帖数: 30 | |
G*****h 发帖数: 33134 | 4 更低呗
【在 r******l 的大作中提到】 : 固定利息已经这么低了,还要ARM干什么?
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g***l 发帖数: 352 | 5 It is about 1% lower.
【在 r******l 的大作中提到】 : 固定利息已经这么低了,还要ARM干什么?
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b*d 发帖数: 9308 | 6 更多的人是选择Fix。
【在 g***l 的大作中提到】 : It is about 1% lower.
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r******l 发帖数: 30 | 7 30 YR FIX WE CAN DO 3.125%, 5/1 ARM WE CAN DO 2.75%.
15 YR WE CAN DO 2.5%
ARM IS NOT A GOOD CHOICE AT ALL! |
r******d 发帖数: 1879 | 8 It will all depend on your personal situation.
1. will you plan to move out in a few years and sell the house?
If the answer is YES, then do the ARM
2. will you plan to move out and rent the house as investment property?
if YES, then do the FIX
3. Do you have the tight budget now and wish to lower the monthly mortgage
payment as much as you could?
if YES, then do the ARM
Recently, due to the historical low rate, most of the borrowers choose to
do the fixed program rather than the ARM.
【在 g***l 的大作中提到】 : It is about 1% lower.
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g***l 发帖数: 352 | 9
Is this for a loan of less than 417k? How about 500k loan?
【在 r******l 的大作中提到】 : 30 YR FIX WE CAN DO 3.125%, 5/1 ARM WE CAN DO 2.75%. : 15 YR WE CAN DO 2.5% : ARM IS NOT A GOOD CHOICE AT ALL!
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r******l 发帖数: 30 | |
p******y 发帖数: 3523 | 11 一般情况,如果5年或7年内能还清,或一定会卖房,选ARM。如果会长期居住,还是
fixed风险低。 |