d****g 发帖数: 153 | 1 一次性付款的1% buy down 0.375%(30yr) 划算吗?
有什么general的rule吗? |
g*****g 发帖数: 34805 | 2 If you keep it long enough, it's worth it.
【在 d****g 的大作中提到】 : 一次性付款的1% buy down 0.375%(30yr) 划算吗? : 有什么general的rule吗?
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z*********n 发帖数: 94654 | 3 it's only worth when you want to stay in your current home for very long
time, and, you are confident current rate is low enough, future rate is only
going up.
【在 g*****g 的大作中提到】 : If you keep it long enough, it's worth it.
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c****o 发帖数: 32446 | |
d******n 发帖数: 2712 | 5 不要用相对值说,因为1个point不恒等于0.375%的rate。LZ还是说一下,如果买1个
point,rate能降到几吧。 |
h***b 发帖数: 1233 | 6 it's certain (cost) vs uncertain (savings); known (rates are at 40-yr low)
vs unknown (betting rates to go much higher & you'll stay in the house for
15 or more yrs)
in a sense it's like buying warranty on your cell phone--it may not be
around in a couple of yrs. but if it drops into toilet, then you come out
ahead :p
【在 d****g 的大作中提到】 : 一次性付款的1% buy down 0.375%(30yr) 划算吗? : 有什么general的rule吗?
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d*********2 发帖数: 48111 | 7 1点换0.375%很划算。
看你计划如何, 要不要refin or sell. 如果keep 30年算非常赚。
我以前一个点才能买0.125%
【在 d****g 的大作中提到】 : 一次性付款的1% buy down 0.375%(30yr) 划算吗? : 有什么general的rule吗?
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d*********2 发帖数: 48111 | 8 越高的rate pt买点越划算。
5%左右我以前自己算了一下, 0.125% rate大概合0.8% loan, 30 fixed.
按inflatiton 3%。
【在 d******n 的大作中提到】 : 不要用相对值说,因为1个point不恒等于0.375%的rate。LZ还是说一下,如果买1个 : point,rate能降到几吧。
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