z**********8
发帖数: 11 | | p******8
发帖数: 6 | 2 唯一的区别是算不算因为贷款引起的financial cost，比如apprasial, credit report
fee什么的，所以APR会比interest多一点。法律规律必须显示APR而不是interest
rate。像有些agent为了简单，干脆免掉那些费用，这样APR和interest rate就一样了
。比如zhaofangdia.com 可以调节downpay，credit score等参数看到各种APR? | o*****p
发帖数: 5952 | 3 APR 是包括closing cost。no point no fee refinancing, APR == rate.
欢迎点击我的id, 进入我的俱乐部。 | J******t
发帖数: 1945 | 4 Right. Annual Percentage Rate (APR) reflects the "effective"/"true" interest
rate. In addition to the interest rate on the loan, the APR takes into
account the “total cost” of the loan, which includes certain fees and
other costs incurred to acquire the loan. So
APR >= interest rate
Under Truth-in-Lending Law(RegulationZ), lenders must disclose the APR, so
borrowers can compare apple to apple.
report
【在 p******8 的大作中提到】
: 唯一的区别是算不算因为贷款引起的financial cost，比如apprasial, credit report
: fee什么的，所以APR会比interest多一点。法律规律必须显示APR而不是interest
: rate。像有些agent为了简单，干脆免掉那些费用，这样APR和interest rate就一样了
: 。比如zhaofangdia.com 可以调节downpay，credit score等参数看到各种APR?
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