e******i
发帖数: 341 | 1 New built, builder's loan agent in order to get some incentive.
As of today,
(1) 1 point rate buy down using incentive money, and the interest rate is 4.
375 today for 45 days lock
(2) No rate buy down (which saves $4500 to decrease the purchase price), and
thus a higher interest rate 4.625?)
thanks |
b****j
发帖数: 2414 | 2 要综合考虑你的贷款数额，你可能住的年数和你提前还本金的多少快慢 |
b********2
发帖数: 5191 | 3 I'll go with 2nd option if I were you. then do refi after closing. |
e******i
发帖数: 341 | 4 thanks
total 350k loan
it needs 68 months to break even (considering tax benefit, it may be over 70
months),
so will go higher interest rate
【在 b****j 的大作中提到】
: 要综合考虑你的贷款数额，你可能住的年数和你提前还本金的多少快慢
|
e******i
发帖数: 341 | 5 thanks
【在 b********2 的大作中提到】
: I'll go with 2nd option if I were you. then do refi after closing.
|
c**********e
发帖数: 1184 | 6 $350K的贷款4.625%和4.375%的每月利息差额是$51.99。那么也就是说有4500/51.99=86
个月没有省钱，如果选择4.375%的话。所以如果说您在这个房子住不足7年，那么还是
选择option 2比较好，或者说也可以将来再做refinance。当然，如果利率在将来上升
很多，不会搬家也不会做refinance，那么可以选option 1.
当然，选option 2还有一个好处就是cash就直接在close的时候拿到手了（cover
closing cost)。
4.
and
【在 e******i 的大作中提到】
: New built, builder's loan agent in order to get some incentive.
: As of today,
: (1) 1 point rate buy down using incentive money, and the interest rate is 4.
: 375 today for 45 days lock
: (2) No rate buy down (which saves $4500 to decrease the purchase price), and
: thus a higher interest rate 4.625?)
: thanks
|
p******y
发帖数: 3523 | 7 如果loan amount不超过417K的话，再去shop around一下吧，看看是不是有更好的rate
。 |
a*****n
发帖数: 5158 | 8 lz第一句就讲了吧
"New built, builder's loan agent in order to get some incentive."
肯定是不能shop around,否则那不到builder incentive
rate
【在 p******y 的大作中提到】
: 如果loan amount不超过417K的话，再去shop around一下吧，看看是不是有更好的rate
: 。
|
