s********n
发帖数: 650 | 1 My lenders all give me the same interest rate with either 10% or 20% down,
does it mean I can always payback more principle later and not necessary to
pay 20% down now and better keep the cash now? |
e*i
发帖数: 10288 | 2 less than 20% down, there's mortgage insurance.
to
【在 s********n 的大作中提到】
: My lenders all give me the same interest rate with either 10% or 20% down,
: does it mean I can always payback more principle later and not necessary to
: pay 20% down now and better keep the cash now?
|
o*****p
发帖数: 5952 | 3 头款少于20%, —般会有 PMI (Private Mortgage Insurance).
又分两种，第一类借款人每月多付 (borrower pay). 第二类 银行每月帮你付，但利率
会更高. (lender pay) |
b********1
发帖数: 1299 | 4 make sure you don't pay mortgage insurance with 10% down.
to
【在 s********n 的大作中提到】
: My lenders all give me the same interest rate with either 10% or 20% down,
: does it mean I can always payback more principle later and not necessary to
: pay 20% down now and better keep the cash now?
|
c*****4
发帖数: 900 | 5 10% down会要求付mortgage insurance（少数lender不要），其它条件不变20%和10%能
拿到的利率应该是一样的。另外你总是可以在close之后再pay down的，只不过大多数
银行会要求1年以内不能取消mortgage insurance
to
【在 s********n 的大作中提到】
: My lenders all give me the same interest rate with either 10% or 20% down,
: does it mean I can always payback more principle later and not necessary to
: pay 20% down now and better keep the cash now?
|
s********n
发帖数: 650 | 6 thanks!
算了下1-2年内交到20% down就不收mortgage insurance 了
就是不提前付到20% 2年内也只有$1400 total mortgage insurance 就结束了
我觉得还是留那10% 投资别的比较合算 只要2年内能拿回多于1400就合算 |
