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c*********1
发帖数: 40 | 2 非IT类pm岗,想了解一下是5还是6级.多谢(职位描述BS + 7yrs, MS preferred) |
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c*******y
发帖数: 3008 | 4 7 yr fixed rate, 30 yrs amotization |
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H*****1
发帖数: 4815 | 5 还是不懂
7年的利率一般比较低
银行为什么愿意给你7年的利率，而允许你实际贷款三十年呢？ |
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z*********n
发帖数: 94654 | 6 银行常见trick啊，利率比较低的时候，给你7年低利率，希望七年后的利率很高
剩余的时段他们就坐收高利率啊
房子要是7年内估计要卖，或者付清了，或者赌定7年后利率还一样低就不错啊
我有个同事说他arm结束后自动延续当天利率，百分之三点几，呵呵，历史最低点
那么几天让他赶上了。我还有点不相信，不过他说的信誓旦旦的 |
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b********3
发帖数: 994 | 7 跟trick有什么关系？？！！
一个正常的conventional mortgage program而已。
LZ：前七年，你的每个月的payment是按照30year的term算，但是rate相较于30年fixed
会低不少。从第八年开始，你的rate开始浮动，参照的数据一般是WSJ的index为基准，
以今天为例，假如说今天是你的mortgage的第八年的第一天，那index是1.207％，一般
margin是2.25％，5/2/5的program，意味你的rate会浮动最高到6.207％，最低就不定
了。从第九年开始，每次浮动的最大值不能超过2％，也就是说rate最高可能浮动到8.
207％。然后，之后每年都会浮动，life of loan的时间内，最好rate可以浮动到index
＋5%＋5%。
一般来说，如果你有意在七年内卖房子，或者是refinance到fixed mortgage,那这个
program不错。如果，你每年都有大笔收入或者存款一次还本金，那可以做多次的ARM，
每次可以付一部分本金，总体来说还是比较划算。
如果没有上述条件，最好还是不要做ARM，毕竟越到利息变 |
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z*********n
发帖数: 94654 | 8 我说的trick就和好多introductory apr似的，
introductory 期间比较低，到时候就浮动，银行靠着低introductory吸引客人
客人有闲钱最后有能力在遇到高利率的时候还清就能一直搞，一直transfer呗
否则容易被套住
fixed
index |
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b**********y
发帖数: 326 | 10 新美贷款summit mtg给的rate太好了：
$540K loan, no point
30 yr fixed 5%,
15yr Fixed 4.25%,
7yr ARM 3.875%,
5yr ARM 3.625%
有人用过吗？
他家是一个专门作贷款的银行，不是broker.
据说没有broker能match这个rate.
用过的说说是不是顺利，慢不慢，容易拿到钱吗？
想赶在6月底前close拿8000。 |
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l*********e
发帖数: 7492 | 12 no point no fee?
this is a very good rate. |
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b****3
发帖数: 201 | 14 借LZ的宝地请教一下, 这ARM的MONTHLY PAYMENT里的PRINCIPAL怎么算?
7/1 ARM 6.25%, 是7年内的还款的利息部分都按6.25%算,我这样理解对吗?
本金部份呢? 是按30年的还? 7年? 还是随你还多少, 剩下的7年结束重新贷?
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s**********d
发帖数: 36899 | 15 no point no fee没有这么低的吧。没听到4%以下的。 |
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J*K
发帖数: 331 | 16 no point no fee 3.875 here |
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c********n
发帖数: 212 | 17 My broker informed me he can provide 3.625% for 7 yr ARM today (notice that
the rate has continuously dropped in the last three days) with no point. As
to fee, I am not sure, since there are several hundred origination fee or
lender fee.
I do not know whether this is a good rate. But according to the reply here,
it sounds not bad. I will keep on waiting for a couple of days before I lock
it. This week the trend of the rate is definitely downward. |
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c********n
发帖数: 212 | 18 I guess the formula is the same ( you can google it). and the only
difference, as you mentioned, is that after 7 years the rate will change and
then you redo the calculation based on that rate. |
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r******d
发帖数: 1879 | 19 why you are comparing 5Yr with 7Yr FHA and Conventional? |
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n*******9
发帖数: 3244 | 20 Current rate? Loan amount? How long have you had the current rate? What's
your plan for the next 7yrs, 10yrs for the property? |
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l****l
发帖数: 3394 | 21 都是no cost no fee refi.
应该至少肯定不会住超过10年，5年内应该不会动。那个划算？ |
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b*d
发帖数: 9308 | 22 7年能拿到3.5%，而且还是no cost? 那当然是选7年了。 |
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z*********n
发帖数: 94654 | 23 当然7年了，no-brainer
这么好抉择的事情 |
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z*********n
发帖数: 94654 | 26 但是他说他住七八年就卖房，如果人生计划这么确定的人有啥不好考虑的 |
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z*********n
发帖数: 94654 | 27 我同事，5年arm，当年利息还蛮高的，人5年结束正好赶上去年有几天3%，人以后就
fixed 3%了，呵呵
人生，束手束脚，占不到这些便宜的，哈哈 |
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p********r
发帖数: 1980 | 28 After some calculation, I have determined that 15YR are generally bad.
If you are very uncertain about your future earning powers, your best option
is 30YR fixed. That way, you lock a great rate (from historical point of
view), that inflation will likely ease your debt burden in the future. If
your income streams stopped, you are only obliged to pay a low monthly
payment.
If you are very certain about your future earning powers, your best option
is ARM (e.g. 7YR ARM). If the interest rates go up |
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F*********s
发帖数: 537 | 29 i saw a 7yr arm at 3.5% with $1500 cost last week. |
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n*******9
发帖数: 3244 | 30 报个rate? 30yr fixed, 7yr ARM. 谢了。 |
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n*******9
发帖数: 3244 | 31 do a no cost refi now and change your mortgage to a 5yr or 7yr ARM to lower
the rate within 3% then rent it out. you should be able to get a positive
cash flow and if you decide to sell within 5 or 7 yrs, you should be able to
make money. Boston is on its way to rise. |
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n*******9
发帖数: 3244 | 32 自住与投资出租是俩会事。不用费哪么多心思。费也白费。反正你也没法租。要是知道
4-5年后肯定会买，不如用个7yr ARM省点钱。 |
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h*e
发帖数: 10233 | 33 命苦呀。DE 200K 7yr ARM只能做到3.875 no cost |
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n*******9
发帖数: 3244 | 34 If you really can get $2800/month rent (which is quite high) and don't have
to spend a lot of money to fix it, this one will be a good one. Can you
really get $2800 rent? as for mortgage, do not use 30yr or 15yr fixed
mortgage. 5 or 7yr ARM is the best and you should be able to get a rate for
no more than 3.5%. see data below to help you figuring out the return.
Purchase Price $ $350,000
Closing Costs % $3,500
Downpayment % $87,500
Loan Amount $262,500
To... 阅读全帖 |
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n*******9
发帖数: 3244 | 35 5yr ARM好了。不sure的话，上7yr ARM. 这年头能省点是点。 |
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n*******9
发帖数: 3244 | 36 I don't think that will hurt you for your future job hunting, but you will
have a very bad credit for up to 7yrs and that will hurt you even when you
are looking for a rental. by the way, your bank can also follow you for your
other properties if they find out that you still have money somewhere
around. talk to a lawyer before you make any decision for this. it's not
that simple for your case.
啊! |
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n*******9
发帖数: 3244 | 37 if you know for sure that you are going to pay off your loan within 7-10yrs,
a 7yr ARM or a 15yr fixed will be good. |
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n*******9
发帖数: 3244 | 38 r u in finance hardship? if not, your lien holder will not prove the sale.
Also you will not be able to get a loan within two yrs after the short sale,
not 7yrs. |
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n*******9
发帖数: 3244 | 39 in short term, it will only get worse. about 2/3 builders went bully up, 70-
80% homeowners who bought in the past 5-7yrs could/would not sale since they
are under water now. these are the the reality. inventory down is not just
for some spots. we see it on a nation wide scale. banks do have some reo
properties, but they are getting smarter. they rent many out and/or selling
them in package.
redfin |
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r******d
发帖数: 1879 | 40 7 years ARM usually is 0.25 higher than the 5yrs ARM. The rate make the
program less attractive than 5yrs. My customers will choose 7yrs ARM if the
rate is very similar as 5yrs, just two more years gurantee with minor
difference. |
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w**t
发帖数: 1890 | 41 请问现在麻州 7yr arm的investment利率大概是多少？30年fixed是多少？ |
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P***0
发帖数: 368 | 42 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. |
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P***0
发帖数: 368 | 43 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 |
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s**********a
发帖数: 3273 | 44 LTV=80~85 呢？
7yr ARM 呢？
谢谢 |
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r******d
发帖数: 1879 | 45 I am not sure which state you are at. This week in California, for
conforming, 7 yrs ARM is same as 5 yrs ARM, but 7yrs ARM is better than 5
yrs for super conforming.
You can always refinance at any time after your purchase ( well, of course,
after you pass the current lender's restriction time, usually it is 6 months) |
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s**********a
发帖数: 3273 | 46 It makes no difference.
只是心理上觉得本金没还多少好像亏了，其实仔细算算一点都不亏。
十年内要卖房子应该考虑7yr ARM，而不是 15yr fixed. |
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l*****o
发帖数: 26631 | 48 假设贷十万块， 三十年， 利率3.5%, 七年后突然需要搬家卖房子, 假设原价卖掉，
不考虑手续费。 之前利息一共支出19742,
假设贷贷15年， 利率2.8%， 同样情况， 利息就是15715。
差了四千多块钱， 为什么没有亏？ 当然你如果觉得现在提前花钱享受就值得的话，那
当我没说。
只是说可能性很大而已， 又不是说十年内一定会卖。 如果工作稳定的话当然就不会卖
了。 正因为以后不好预测， 所以15 fixed介于30 fix和7yr arm之间， 对于工作还
算稳定但同时也有风险的人来说就挺好的。 |
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s**********a
发帖数: 3273 | 49 It makes no difference.
只是心理上觉得本金没还多少好像亏了，其实仔细算算一点都不亏。
十年内要卖房子应该考虑7yr ARM，而不是 15yr fixed. |
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