y*******g
发帖数: 247 | 1 最近有个朋友一直说现在利率是历史低点，以后若干年利息只会高，不会低，
房子要长期持有的话，劝我们换成30 year fixed. 我觉得应该先享受一下7
ARM的低利率，6,7年的时间，总有利息低的时候，再做一个refinance, 大家怎么看？ | l*******r
发帖数: 328 | 2 很快就付清的話当然选7 year arm.
不然也可考慮15 year fixed ，利率也差不多
【在 y*******g 的大作中提到】
: 最近有个朋友一直说现在利率是历史低点，以后若干年利息只会高，不会低，
: 房子要长期持有的话，劝我们换成30 year fixed. 我觉得应该先享受一下7
: ARM的低利率，6,7年的时间，总有利息低的时候，再做一个refinance, 大家怎么看？
| w*******n
发帖数: 43 | 3 Your friend is right. Rather than paying it off sooner, why not buy more? | r****m
发帖数: 1204 | 4 If you plan to stay at this house for 10 or more years, it's wise to lock in
the historically low rates.
If you feel uncertain about your stay, 7-year ARM is good. | q********i
发帖数: 152 | 5 看图，近十年几乎年年都是historically low 吧
【在 y*******g 的大作中提到】
: 最近有个朋友一直说现在利率是历史低点，以后若干年利息只会高，不会低，
: 房子要长期持有的话，劝我们换成30 year fixed. 我觉得应该先享受一下7
: ARM的低利率，6,7年的时间，总有利息低的时候，再做一个refinance, 大家怎么看？
| r****m
发帖数: 1204 | 6 The last time the Fed raised rates was back in 2006. There is a clear sign
the Fed would raise the rates soon, if not from Dec this year.
So, this time is different.
Although there are complications to it, because the Fed only raises the
short term rates, and mortgage rates are more tied to 10-year treasury rates
' moves, and short term and longer term rates don't always go the same
direction as there are other factors in play. But the trend should be clear
... |
|
