p******e
发帖数: 677 | 1 考虑过。但是lg 希望在退休前把房贷还完；大事就听他的了。 |
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g*q
发帖数: 26623 | 2 15年3.25->2.875,如果你付满15年的话,利息差按现值算相当于本金的2.5%左右. |
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g*q
发帖数: 26623 | 3 还有多少年退休?
如果5年后存款利率5%,你们会不会后悔? |
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p******e
发帖数: 677 | 4 难道不应该高兴吗？那时候mortgage rate肯定也涨上去了。 |
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g*q
发帖数: 26623 | 5 钱都提前付贷款了,省了2.875%的利息,少赚了5%的存款利息,能不后悔么? |
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o*****p
发帖数: 5952 | 7 毎亇人情况不一样，如果可以投资，应该借30年。不然，借15年。 |
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g*******y
发帖数: 2783 | 8 市值40w的话就可以refinancing了吧 尽管我不懂怎么refinancing |
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x**********r
发帖数: 835 | 9 5千多cost？还是做no cost的吧 现在花出去的是真金白银啊 你还不一定住15年呢
★ 发自iPhone App: ChineseWeb 8.7 |
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A*********n
发帖数: 223 | 10 We can do no closing cost. Please check your message. |
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w*******g
发帖数: 9932 | 11 well, I am on 3 percent 5 year arm right now that ends next September.
I do this refinancing since I worry it would be too late if I delay
refinancing next year while feds is going to push up interest rate tomorrow.
I mean how long can this zero interest be kept.
historical rates can be scary to look at. I recall my first rate being 5.875 |
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n****n
发帖数: 281 | 12 楼主，根据美国法律，如果你提前还清贷款，银行是不能收取任何额外费用的。所以建
议你自己找银行或者credit union问一圈，看看refinancing （就是二次贷款）的利率
有多少，然后让refinancing的银行把你的这个贷款一次买下。
12%太高了，即使是旧车，都不该这么高。710分虽然不高，但是也不至于那么差 |
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a*p
发帖数: 209 | 15 1. no cost, no fee,尽管做。只有好处。
2。你以前付的部分没有任何影响。你没有损失任何东西。每个月交的mortgage包括两
部分：当前贷款额在本月的利息和本金。 |
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G***e
发帖数: 535 | 16 只要利率变小，就应该做
就算你的前一个loan几乎快付完了也值得做!! ← 重要
最算单的想法就是你依然可以付跟之前的monthly payment
但因为利息少了、本金还得多了
会还得比之前还快！
不过前提是没有prepay penalty
如果有这penalty或是fee，就要再计算一下是否值得做 |
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G*********2
发帖数: 164 | 17 I think your calculation may be a little bit short.
Here is how I will calculate, only using the refinancing rate of 3.75%:
Current rate = 4.25%, monthly P&I = $2,411 for the loan principal amount of
$490,000.
The total interests paid during the life time of the loan = $377,782.
Since you already paid 14 months into your current loan, when you refinance,
your principal is $480,328 (from the loan amortization table / schedule).
This should be your new loan principal.
Refinance rate = 3.75%, month... 阅读全帖 |
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y****i
发帖数: 17878 | 18 the mistake here is that you assume your principle for refinancing is still
$490,000
since you are already 14 months into your mortgage, it would be around $482,
000
otherwise, you'll be doing a cash out refinancing
4.25% to 3.75% or even 3.875% would save you a lot if it's no cost refi
490
14 |
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c*******7
发帖数: 3763 | 19 my bank already offered me 3.875% rate (30 years fixed rate refinancing), with 3 quater point of bank fee plus closing.
I'm currently looking/waiting for the 3% rate (15 years fixed rate refinancing), with no fees... |
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d******8
发帖数: 1972 | 20 奥巴马今天会在拉斯维加斯发表拯救房市新计划，不知对股市是好消息还是坏消息？特
别是对金融股。
http://www.businessinsider.com/revealed-heres-obamas-new-housin
The Federal Housing Finance Agency just announced its changes to the Home
Affordable Refinance Program (HARP), which serves as the backbone of
President Barack Obama's new housing plan.
HARP programs have helped 894,000 borrowers through August — a far cry from
the 3-4 million Obama promised in 2009. The changes are designed to allow
more underwater homeowners with loans backed by the g... 阅读全帖 |
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d******8
发帖数: 1972 | 21 Obama $1 Trillion Mortgage Fix Rumor Pushing Bank Stocks
http://www.thestreet.com/story/11366791/1/obama-1-trillion-mort
NEW YORK (TheStreet) -- Bank stocks were reversing early losses and rising
Thursday afternoon, amid market chatter that President Obama might soon
announce a massive refinancing program that could help boost housing and the
economy in the election year.
A blog post by Jim Pethokoukis at the American Enterprise Institute appears
to be generating much excitement on Twitter, alth... 阅读全帖 |
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u**********n
发帖数: 8905 | 22 SYDNEY (MarketWatch) -- When it comes to the rebound in U.S. banking stocks,
investors, bankers and many Wall Street analysts alike seem to have
embraced Oliver Goldsmith's advice: "Ask me no questions, and I'll tell you
no lies."
But the much-heralded improvements in the fortune of banks may be
misleading.
Federal Reserve policies, especially low interest rates and large liquidity
flows (from central banks through quantitative easing ("QE"), have
supported bank earnings to a large degree. Low s... 阅读全帖 |
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a********i
发帖数: 335 | 23 现在的利率
Marginal lending facility 0.75 %
Main refinancing operations (fixed rate) 0.25 %
Deposit facility 0.00 %
调整以后的利率
Marginal lending facility 0.40 %
Main refinancing operations (fixed rate) 0.15 %
Deposit facility − 0.10 % |
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x**8
发帖数: 1165 | 24 Thoughts On The AIG Ruling And The Implications For Fannie Mae
Jun. 24, 2015 4:42 AM ET | 22 comments | About: American International Group
Inc (AIG), FNMA
Disclosure: I am/we are long FNMA. (More...)
Summary
The AIG trial court has ruled that the government taking AIG Equity was an
illegal exaction but that shareholders are not entitled to damages.
The ruling, while for the government on damages, sets out a road map for
reversal.
Fannie Mae shareholders who owned shares when the net worth sweep... 阅读全帖 |
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s***e
发帖数: 2795 | 25 是的。如果你的mortgage不是refinancing,你可以在贷款的那一年全数deduct.
如果是refinancing, 你需要amortize the points over the life of the loan. |
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G****a
发帖数: 10208 | 26 多少年的房贷是最佳的？这样的问题经常被人问及，答案也总是因人而异。下面的文章
给了你一个侧面的分析，体现了普通美国人对金融和理财的观念。
华裔和一般的美国人在理财观念上有不少的差异，各有优势各有劣势，很难说谁的办法
更好。所以。具体的理性和专业性的分析，也就显得非常的重要。
就房贷时间长短的选择而言，有好几个因素必须考虑：
第一，多少房贷你可以承担？如果三十年是唯一你可以承担的房贷，那么，你已经没有
选择，也不用选择了——就是它！如果你可以承担五年、十年、十五年任何长度的房贷
，也就是说，你的财力足够强大，那么，你就得考虑下一个问题了。
第二，你的理财能力——也就是说，资金在你自己手里有多大的升值能力，为了这样的
升值，你需要承担的风险是不是足够低？如果比你预期要坏很多的情形（小概率事件）
发生，你是不是能够坦然应对？而你将钱放到房子上，就相当于是购买了和你的房贷利
息一样高的定期CD，是没有多少投资风险的。你不可以基于已经过去的几年股市的投资
回报，来预测你未来的可能实现的投资回报。在这方面，我有好几个非常沉痛的朋友故
事。故事之一是，一位原本已经有高达百万美元资金在手的美国白人朋友... 阅读全帖 |
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a*o
发帖数: 25262 | 27 They can do no cost refinancing DOESN'T MEAN you are qualified for no cost
refinancing.
If you contact them, they will for sure have a potential business. |
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r***2
发帖数: 4 | 28 I found this in UPenn mailing list.
Great refinancing experience!
Recently I have just finished my home refinancing by working with Mark Guo,
who is a licensed broker/owner of a company offering the best mortgage rate
and he is also a licensed realtor to help people buying houses. In my case,
I did not pay any cost for appraisal, title insurance, settlement and
government fees, etc. In particular, Mark is extremely experienced with
this kind of business, and he is also a great person to work w |
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d**u
发帖数: 1639 | 29 ☆─────────────────────────────────────☆
coldwinter (孤独的牧羊人) 于 (Thu Aug 26 12:07:04 2010, 美东) 提到:
我6／30买的房。30年, fixed 5%.
想refinance, 大家有什末好的agent 推荐？
我在Delaware County, PA.
☆─────────────────────────────────────☆
real2 (real2) 于 (Thu Aug 26 14:46:32 2010, 美东) 提到:
I found this in UPenn mailing list.
Great refinancing experience!
Recently I have just finished my home refinancing by working with Mark Guo,
who is a licensed broker/owner of a company offering the best mortgage rate
and he i... 阅读全帖 |
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f*****t
发帖数: 477 | 30 小心所谓的无费用refinancing，最后表格出来一定要细查。我记得那个所谓的0-cost
refinancing Chinese agent，最后出来的表格有些费用他想瞒天过海。 |
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r******d
发帖数: 1879 | 31 sfresher never said he refinanced his two houses.
if (not refinanced)
lender can't pursue deficiency judgement according Section 580b;
else if (non-judicial forclosure) //majority cases in california
lender can't pursue deficiency judgement according Section 580d;
else //very rare
lender can pursue deficiency judgement;
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s*****c
发帖数: 753 | 32 Suppose your remaining principle is 200K, You can always choose to refinance
190K and pay the remaining 10K at the time of the refinancing.
So you can choose to pay one month (or any amount) the same day of your
refinancing. What do you complain about?
+ |
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w********9
发帖数: 8613 | 33 http://online.wsj.com/article/SB1000142405270230490600457636984
“”“”“”“”“”“”
Almost 40% of homeowners who took out second mortgages—extracting cash from
their residences to cover everything from vacations to medical bills—are
underwater on their loans, more than twice the rate of owners who didn't
take out such loans.
WSJ's Robbie Whelan reports nearly 40% of homeowners who have a second
mortgage--that is, they owe more than their home is worth. Photo: Mark
Rulston/AFP/Getty Images
.
The finding... 阅读全帖 |
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z*********a
发帖数: 335 | 34 The Ideal Mortgage Amount Is $1 Million Dollars (If You Can Afford It)
http://www.financialsamurai.com/the-ideal-mortgage-amount-is-1-million-dollars/
Whoah, that’s crazy! I can hear some of you who don’t live in an expensive
part of the world say. Meanwhile, some of you are surely thinking you can’
t get anything livable with a $1 million mortgage. The ideal mortgage amount
of $1 million is based on the premise that the ideal income for maximum
happiness is $200,000 per person.
Back in 2002, a ... 阅读全帖 |
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n**********g
发帖数: 152 | 35 The correct math is:
pay the same amount of monthly payment (principal+interest) before and after
refinancing, even the rate is lower after, you will pay off your loan
earlier with refinancing. Equivalently, your overall interest paid is lower.
. |
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t***y
发帖数: 182 | 36 source:
http://www.astrologyzone.com/forecasts/monthly/gemini_full.php
Gemini Horoscope for March 2012
By Susan Miller
What a glittering month! The configuration of planets that will form in the
heavens in early March will be so exceedingly rare and special that it will
be a very long time until we see anything even close to this harmonious. The
last time we had something faintly similar, it was June 2004, and before
that, it was March 1967 (more similar). Soon you will sense that there is
somet... 阅读全帖 |
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a*o
发帖数: 25262 | 37 可能很多人不知道 refinancing 说说吧：
refinancing 就是把原来已经借有的债，现在重新借过另一笔债把原来的债一次性付完
了。
譬如说：10 年前借的 30年的 9% 利息的债，现在的利息只有 3.5%（假设的,不要说银
行的利息只有 3.25%，一会儿又斗的没完没了）。。现在要把剩下的债一次性还掉，所
以，重新贷款了3.5%， 要还的利息比原来的 9% 少多了。这是 refinance 的动力。
不过现在重新贷款要看现在的收入。
里面细节还有很多的。。不细说了。 |
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m****s
发帖数: 8992 | 38 Oh my God, like I said these guys REALLY DON'T have a clue about anything.
They are trying to imply Kang must have refinanced to a lower rate,
at the same time, they are pointing out there is no new loans.
what they DON'T UNDERSTAND is refinance IS a NEW LOAN.
and NO NEW LOAN means NOT refinanced.
Oh my God. I said I won't speak to them directly again.
Oh my God, I broke my promise. I JUST can't stand it.
Oh my God, these fucking bitches. These bitches are TOO MUCH! |
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w*******y
发帖数: 60932 | 39 We refinanced with our home town bank (Old Fort Bank) and saved years and $
1000's on our home loan. All the banks have good mortgage interest loans.
Check with your bank.
Here is 5/3 site.
Link:
https://secure.53.com/mortgage/app/rates
Closing cost are around $1600. If you can drop your rate by 2%, you will
save money.
Here are a few reasons you may want to consider refinancing:
To lower your interest rate (which will result in either a reduced monthly
payment or a reduced term)
To consol... 阅读全帖 |
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g********n
发帖数: 2314 | 40 U.S. mortgage applications sink as loan rates rise
Wed May 27, 2009 10:12am EDT
By Lynn Adler
NEW YORK (Reuters) - The highest home loan rates in more than two months
drained demand for refinancing last week, dragging total U.S. mortgage
applications to the lowest level since early March, the Mortgage Bankers
Association said on Wednesday.
Refinancing has been the lifeblood of a renewed push for mortgage
funding much of this year, and even that has lost steam despite
borrowing costs staying rela... 阅读全帖 |
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c****s
发帖数: 5892 | 41 据世界日报讯, 联邦政府二个月前宣布的房贷新规定已於19日正式生效，该新规定目的是企图冷却国内过热的房市交易。
财政部长费拉逖在2 月份宣布上述新规定，重点包括：
·申请房贷人士不论选用多少年期、浮动或固定利率房贷，一律适用五年期固定利率房贷的审核条件。
· 房贷更新(refinancing)能够申请的贷款最高额度，将从旧规定房屋估值的95%降为90%。
·为投资而非自住购屋、向加拿大房 贷暨住屋公司(CMHC)申请贷款时，自备款必须从旧规定的5%提高至20%。
费拉逖当时说，虽然加拿大房屋市场没有泡沫化迹像，但政府 还是应审慎的采取防范措施;而在新规定中，一般认为对房贷影响最大的，是必须一律适用五年期固定利率房贷条件，因为申请者必须通过更严格的审核，及提供更 多证明收入文件。
至於投资购屋必须提高自备款至20%，专家认为并不会有冷却房市作用，因为新现定不会要求证明资金从那里来，购屋者即可 运用其他资产取得贷款，以支应所需的20%自备款，伦敦地区房地产经纪卡伯瑞奇指出，届时灵活的贷款方案会大受欢迎，房地产投资者将继续利用个人信用贷款 和亲友关系筹措投资房市资金。
道明银行(TD Ban |
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c****s
发帖数: 5892 | 42 面对日益升高的家庭债务，联邦政府将收缩房贷，限制民众的借款。
根据CTV报导，联邦财政部长费拉逖将在17日8点，即股市开盘之前召开记者会，宣布联邦政府收紧房贷的新规定。
新规定将把房贷贷款期从35年下调至30年。另外，对重新洽谈贷款条件的再融资(refinancing)房贷，贷款比率从以前的90%，下降到85%。同时，政府将不再为房产抵押的消费贷款(line of credit)提供保险。
到12月底，加拿大家庭债务总额达到1万5000亿元，即平均每人负债4万2000元。债务对家庭可支配收入的比例已经上升到148%，无法按期偿还房贷者人数，已经增长了50%。国际货币基金组织认为，加拿大家庭债务已经成为影响经济稳定的第一位因素。联邦政府和央行多次对此表示关切。此次调整，对大多数正常缴息的房贷客户影响极微。 |
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c******r
发帖数: 889 | 43 http://www.myforeclosurenightmare.com/how-texas-escaped-the-housing-crisis
But there is a broader secret to Texas’s success, and Washington reformers
ought to be paying very close attention. If there’s one single thing that
Congress can do now to help protect borrowers from the worst lending
excesses that fueled the mortgage and financial crises, it’s to follow the
Lone Star State’s lead and put the brakes on “cash-out” refinancing and
home-equity lending.
A cash-out refinance is a mortgage take |
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c******r
发帖数: 889 | 44 http://www.myforeclosurenightmare.com/what-can-we-learn-from-texas
What can we learn from Texas?
How did Texas dodge the housing meltdown? By restricting cash-out
refinancing, argues Alyssa Katz, author of the excellent book “Our Lot: how
Real Estate Came to Own us.”
Katz’s theory has a lot of merit. I’m not fully convinced, though, because
Katz ignores that Texas had a cataclysmic housing bust in the middle of the
1980s.
In her essay in the big Money, Katz notes that Texas has plenty of room to |
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s****i
发帖数: 2993 | 46 they likely refinanced out hundreds of thousands
and spent them all on luxury vacations. |
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w*********s
发帖数: 2136 | 47 Rothschilds Stage Revolutions in Tunisia and Egypt To Kill Islamic Banks In
Emerging North African Markets
PwP Exclusive ©Feb 9 2011
Background: Tunisia has undergone increasing economic liberalization over
the last decade: In the 2010-2011 World Economic Forum’s Global
Competitiveness Report, it was ranked as the most competitive country in
Africa, as well as the 32nd most economically competitive country globally.
North Africa’s large Muslim populations are a vast business opportunity
... 阅读全帖 |
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s********n
发帖数: 26222 | 48 Rothschilds Stage Revolutions in Tunisia and Egypt To Kill Islamic Banks In
Emerging North African Markets
PwP Exclusive ©Feb 9 2011
Background: Tunisia has undergone increasing economic liberalization over
the last decade: In the 2010-2011 World Economic Forum’s Global
Competitiveness Report, it was ranked as the most competitive country in
Africa, as well as the 32nd most economically competitive country globally.
North Africa’s large Muslim populations are a vast business opportunity
... 阅读全帖 |
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w*********g
发帖数: 30882 | 49 美国后面将要面临的另外一个巨大问题（组内讨论稿） (2011-05-31 23:16:32)转载标
签： 财经
文章来源http://www.niwota.com/submsg/5788837
Alt-A和option ARM或将引发新一轮金融危机
次级抵押贷款危机（简称次贷危机）之后，Alt-A和选择性可调整利率贷款（
option ARM）将是另外两颗等待引爆的定时炸弹。
美国住房抵押贷款市场可分为三个档次，优质(Prime)贷款面向信用等级高的客户(
信用分数在660分以上)；次级（Subprime）贷款通常指信用分数低于620分，收入证明
缺失，负债较重的人；而Alt-A贷款介于两者之间。
对于选择性可调整利率贷款来说，买房者在最初几年只需要每月按揭支付非常低的
利息（如1%），人们给这种利率取了个名字“引逗利率”，因为等到2年、3年或者5年
之后，重新设定利率时，买房者每月还款会大幅增加，甚至上涨数倍。
Alt-A和选择性可调整利率贷款的利率正开始大规模调整，而现在它们的违约率已
经非常惊人。Alt-A和option ARMs贷款的违约率最终将和次级贷款一样高，达到50%，... 阅读全帖 |
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p**p
发帖数: 10318 | 50 比投行还赚钱的行业多了。
刚才google了，美联储主席有两个孩子，具体做什么不清楚，但是主席夫妇只有一辆车
，ford focus，比我的还差，一下觉得，，，，，，哈哈，你的明白。
Adult life
Bernanke met his wife Anna, a schoolteacher, on a blind date. She was a
student at Wellesley College, and he was in graduate school at MIT. The
Bernankes have two children. They refinanced their Capitol Hill home in late
2009 because they "had an adjustable-rate mortgage and it exploded." Now
they have a 30-year fixed rate mortgage at a rate of a little over 5 percent
. Bernanke and his wife ow... 阅读全帖 |
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