w********1
发帖数: 421 | 1 15年、30年还款要付的利息太多了。在美国有没有只贷5年的贷款方式？有的话，哪里
可以查到利率？ |
j****c
发帖数: 928 | 2 called 5 year ARM(adjust rate mortgage) |
w********1
发帖数: 421 | 3 Thanks.
【在 j****c 的大作中提到】
: called 5 year ARM(adjust rate mortgage)
|
m*****s
发帖数: 4427 | 4 5 year ARM也是360 months的term, 除了利率低点， 利息部分还是按30年来算
【在 j****c 的大作中提到】
: called 5 year ARM(adjust rate mortgage)
|
w********1
发帖数: 421 | 5 哦，那这不是我想要的了。我如果想几年之间还清，主要是少付点利息，什么计划比较
好呢？
我刚刚看到有10年固定利率，是不是可以考虑？
不好意思，问题不较多。
【在 m*****s 的大作中提到】
: 5 year ARM也是360 months的term, 除了利率低点， 利息部分还是按30年来算
|
w*********n
发帖数: 248 | 6 but you can always prepay |
s**m
发帖数: 1564 | 7 30 year term is actually better for 5/1 if you plan to pay off in 5 years (
it may break even after 5+n years, n is from 7/8 to 30 depends on the rate
after 5 years). using 5/1 ARM, and you calculate monthly payment using 5
year fixed and then just pay that amount, extra will goes to principle. 5/1
ARM is better than 5 year fixed since 5/1 ARM has lower interest rate, and
low interest (due to lower rate and 30 year term).
【在 m*****s 的大作中提到】
: 5 year ARM也是360 months的term, 除了利率低点， 利息部分还是按30年来算
|
D*r
发帖数: 1298 | 8 there is no penalty if you pay off earlier.
【在 w********1 的大作中提到】
: 哦，那这不是我想要的了。我如果想几年之间还清，主要是少付点利息，什么计划比较
: 好呢？
: 我刚刚看到有10年固定利率，是不是可以考虑？
: 不好意思，问题不较多。
|
w********1
发帖数: 421 | 9 Very helpful explanation. Thank you.
1
【在 s**m 的大作中提到】
: 30 year term is actually better for 5/1 if you plan to pay off in 5 years (
: it may break even after 5+n years, n is from 7/8 to 30 depends on the rate
: after 5 years). using 5/1 ARM, and you calculate monthly payment using 5
: year fixed and then just pay that amount, extra will goes to principle. 5/1
: ARM is better than 5 year fixed since 5/1 ARM has lower interest rate, and
: low interest (due to lower rate and 30 year term).
|
c********h
发帖数: 7827 | 10 没看懂，5/1不都是30年吗？
1
【在 s**m 的大作中提到】
: 30 year term is actually better for 5/1 if you plan to pay off in 5 years (
: it may break even after 5+n years, n is from 7/8 to 30 depends on the rate
: after 5 years). using 5/1 ARM, and you calculate monthly payment using 5
: year fixed and then just pay that amount, extra will goes to principle. 5/1
: ARM is better than 5 year fixed since 5/1 ARM has lower interest rate, and
: low interest (due to lower rate and 30 year term).
|
