T*********n
发帖数: 804 | 1 新手求建议，builder刚刚接受offer,房价42万，首付20%。lender提供2个options. 一
个是float等到10月底房子建好左右,另一个是可以付费提前锁定利率，不知道这个是否
值得？利率到年底会浮动很大吗？
这是lender给的options:
Option 1. Float – you do not have to lock in until you are 2 weeks from
closing. Until you lock in, you are subject to rate changes at any time.
Option 2. Up to 6 month rate lock (“Extended Rate Lock”) – For every 30
days over the standard rate lock period, there is a .375 point charge. (
Loan amount x .375% = fee for a 90 day rate lock, for example). We can do
this for up to 6 months (so max fee = 1.5% of sales price). We may also be
able to give you a higher rate and cover the fee for you that way.
另外， lender说有30 fix interest rate 3.375%, 还有10年fix之后20年ARM（或者可
以refinance)的前10年利率只有2.75%。如果不确定10年以后是否要因为工作原因搬家
，是否后者比较划算呢？
两个问题都回答的好的，包子伺候！ | b*d
发帖数: 9308 | 2 肯定是等到快close的时候再锁利率了,没有必要为6个月的uncertainty付这么高的费用.
do
【在 T*********n 的大作中提到】
: 新手求建议，builder刚刚接受offer,房价42万，首付20%。lender提供2个options. 一
: 个是float等到10月底房子建好左右,另一个是可以付费提前锁定利率，不知道这个是否
: 值得？利率到年底会浮动很大吗？
: 这是lender给的options:
: Option 1. Float – you do not have to lock in until you are 2 weeks from
: closing. Until you lock in, you are subject to rate changes at any time.
: Option 2. Up to 6 month rate lock (“Extended Rate Lock”) – For every 30
: days over the standard rate lock period, there is a .375 point charge. (
: Loan amount x .375% = fee for a 90 day rate lock, for example). We can do
: this for up to 6 months (so max fee = 1.5% of sales price). We may also be
| n*******9
发帖数: 3244 | 3 1st is better.
do
【在 T*********n 的大作中提到】
: 新手求建议，builder刚刚接受offer,房价42万，首付20%。lender提供2个options. 一
: 个是float等到10月底房子建好左右,另一个是可以付费提前锁定利率，不知道这个是否
: 值得？利率到年底会浮动很大吗？
: 这是lender给的options:
: Option 1. Float – you do not have to lock in until you are 2 weeks from
: closing. Until you lock in, you are subject to rate changes at any time.
: Option 2. Up to 6 month rate lock (“Extended Rate Lock”) – For every 30
: days over the standard rate lock period, there is a .375 point charge. (
: Loan amount x .375% = fee for a 90 day rate lock, for example). We can do
: this for up to 6 months (so max fee = 1.5% of sales price). We may also be
| k***a
发帖数: 2400 | 4 Agree。
用.
【在 b*d 的大作中提到】
: 肯定是等到快close的时候再锁利率了,没有必要为6个月的uncertainty付这么高的费用.
:
: do
| T*********n
发帖数: 804 | 5 谢谢楼上3位，请收包子！顺便问问大家都是选择conventional 30 yr fix interest
rate的房屋贷款吗？ | r******d
发帖数: 1879 | 6 Do not pay fee to lock the rate now. Float till the end and then lock before
close.
What program you choose will base on your own case. for exmaple, if you are
not planning to stay in the same house for more than 10 years, if you want
to get more cash flow every month after closing, you definitely will choose
the ARM program, not FIXED.
However, if you will stay here and no any future plan to sell the house or
move out in the near future. you should consider the fixed program.
The ARM and Fixed rate are historical low still.
Hope it helps!
【在 T*********n 的大作中提到】
: 谢谢楼上3位，请收包子！顺便问问大家都是选择conventional 30 yr fix interest
: rate的房屋贷款吗？
| k***a
发帖数: 2400 | 7 这个要看你的情况，如果很有可能5年7年卖房，可以考虑贷arm的利息低一些。
【在 T*********n 的大作中提到】
: 谢谢楼上3位，请收包子！顺便问问大家都是选择conventional 30 yr fix interest
: rate的房屋贷款吗？
| o*****p
发帖数: 5952 | 8 只要不卖房，选30年还贷压力小一点。
【在 T*********n 的大作中提到】
: 谢谢楼上3位，请收包子！顺便问问大家都是选择conventional 30 yr fix interest
: rate的房屋贷款吗？
|
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