s*****g 发帖数: 20 | 1 Current rate: 30 year fix @4.875
300,000 loan
Refi option 1: Stick to current bank - 15 year f*[email protected] with 3000 closing
cost;
Refi option 2: Change to another bank - 15 year f*[email protected] with 6000 closing
cost.
Thanks in advance for your suggestions! |
K****z 发帖数: 405 | |
s*****g 发帖数: 20 | 3 No other better choise, in New York area |
K****z 发帖数: 405 | |
s*****g 发帖数: 20 | 5 Please advise which one should I choose? Thanks. |
j*****g 发帖数: 463 | 6 第一,你这个 Rate 太高,
第二,你这个 closing cost 太高。
第三,二选一,得看你准备在房子里准备继续住多少年,你也没说。
现在付的越多,你就越需要在房子里呆得越久才能通过利率差把现在多付的
closing cost 捞回来。
让 Broker 给你个实在的 No closing cost 的 Rate 吧,
然后,每一个 0.125% rate = Loan * 1% 的 closing cost.
张老大
closing
closing
【在 s*****g 的大作中提到】![](/moin_static193/solenoid/img/up.png) : Current rate: 30 year fix @4.875 : 300,000 loan : Refi option 1: Stick to current bank - 15 year f*[email protected] with 3000 closing : cost; : Refi option 2: Change to another bank - 15 year f*[email protected] with 6000 closing : cost. : Thanks in advance for your suggestions!
|
k******o 发帖数: 3328 | |
d******n 发帖数: 2712 | 8 还有6000 closing cost的地方呢。。。买点了吧?
如果选方案二,3000刀要3年半才能回本。如果会在当地长住,还算是值得的。 |
b**2 发帖数: 519 | 9 能不能哪个都不选。
【在 s*****g 的大作中提到】![](/moin_static193/solenoid/img/up.png) : Current rate: 30 year fix @4.875 : 300,000 loan : Refi option 1: Stick to current bank - 15 year f*[email protected] with 3000 closing : cost; : Refi option 2: Change to another bank - 15 year f*[email protected] with 6000 closing : cost. : Thanks in advance for your suggestions!
|