r****t
发帖数: 10904 | 1 【 以下文字转载自 Living 讨论区 】
发信人: verydryice (非常干冰(Carpe Diem)), 信区: Living
标 题: Re: 提前还本金会少付利息吗？
发信站: BBS 未名空间站 (Wed Aug 7 12:29:58 2013, 美东)
Mortgage interests: 3.5% for 30 years.
30 year government bond rate is at 3.7% right now.
Whoever prepays the mortgage should be sent back to the primary school to
restudy math. | X****r
发帖数: 3557 | 2 30 years mortgage is quite different than 30 years fixed maturity bond from
the other side.
【在 r****t 的大作中提到】
: 【 以下文字转载自 Living 讨论区 】
: 发信人: verydryice (非常干冰(Carpe Diem)), 信区: Living
: 标 题: Re: 提前还本金会少付利息吗？
: 发信站: BBS 未名空间站 (Wed Aug 7 12:29:58 2013, 美东)
: Mortgage interests: 3.5% for 30 years.
: 30 year government bond rate is at 3.7% right now.
: Whoever prepays the mortgage should be sent back to the primary school to
: restudy math.
| b*****e
发帖数: 474 | 3 Same if you buy bond at issue and hold 30 years, right?
from
【在 X****r 的大作中提到】
: 30 years mortgage is quite different than 30 years fixed maturity bond from
: the other side.
| X****r
发帖数: 3557 | 4 Not really.
If you buy bond at issue and hold 30 years, you only receive interest (
coupon payment) until maturity, at which point you get your principal back
plus discount; while on the other hand, you have to pay back principal
continuously during this 30 years period for your mortgage, in addition to
the interest.
In other words, even disregard other factors, the effective maturity of your
30 year mortgage is much less than 30 years.
【在 b*****e 的大作中提到】
: Same if you buy bond at issue and hold 30 years, right?
:
: from
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