c***q
发帖数: 667 | |
c***q
发帖数: 667 | |
p*******n
发帖数: 4824 | 3 有。。不过没意思，经常和三十年的利率差不多。。。 |
h***b
发帖数: 1233 | 4 in CA
30-yr vs 20-yr, difference is 0.125%
vs 15-yr 0.625%
vs 5/1 ARM (still 30-yr term) 1.375%
i did a calculation comparing 30-yr vs 5/1 ARM--savings on the first 5-yr
roughly offset "losses" on the second 5-yr assuming rates go up ~2%. if it'
s not for "peace of mind", 5/1 ARM is better than 30-yr fx. risk is if
rates sky rocketed... :p
today's rate posting--
http://www.mitbbs.com/club_bbsdoc/charles.html |
o**o
发帖数: 408 | |
j***k
发帖数: 2719 | 6 only a few i know keeps their mortgage for more than 5-7 years. Most of them
either pay off or sell their homes before the 7th yr. So why would like to
overpay for the service they don't need?
it'
【在 h***b 的大作中提到】
: in CA
: 30-yr vs 20-yr, difference is 0.125%
: vs 15-yr 0.625%
: vs 5/1 ARM (still 30-yr term) 1.375%
: i did a calculation comparing 30-yr vs 5/1 ARM--savings on the first 5-yr
: roughly offset "losses" on the second 5-yr assuming rates go up ~2%. if it'
: s not for "peace of mind", 5/1 ARM is better than 30-yr fx. risk is if
: rates sky rocketed... :p
: today's rate posting--
: http://www.mitbbs.com/club_bbsdoc/charles.html
|
u****d
发帖数: 2578 | 7 it is called margin of safety. you never know if your original plan will
hold, especially for one of your biggest purchases in your life time.
them
to
【在 j***k 的大作中提到】
: only a few i know keeps their mortgage for more than 5-7 years. Most of them
: either pay off or sell their homes before the 7th yr. So why would like to
: overpay for the service they don't need?
:
: it'
|
h***b
发帖数: 1233 | 8 that's probably correct. even you keep the house for the next 30 yrs...
many things could change. it could become a rental--in that case, borrowing
cost would be higher (refi or cash-out) and a low fixed rate taken out when
it was still owner-occupied could become an advantage. :p
rates are so low and doesn't matter which program you go, it can't be wrong.
although to some peace of mind is their paramount concern.
them
to
【在 j***k 的大作中提到】
: only a few i know keeps their mortgage for more than 5-7 years. Most of them
: either pay off or sell their homes before the 7th yr. So why would like to
: overpay for the service they don't need?
:
: it'
|
d******n
发帖数: 2712 | 9 有20年的贷款，有些银行还有25年的贷款呢，不过，都没什么意思，还是30年和15年的
最popular，rate也最好。10年的贷款也有，rate比15年的低一些，应该也低不了太多
。 |
b*d
发帖数: 9308 | 10 有，不过和30年的利率差不多。
南加州贷款利率查询，欢迎访问我的俱乐部：
http://www.mitbbs.com/club_bbsdoc/SoCalMortgage.html
【在 c***q 的大作中提到】
: ？
|
