D********4
发帖数: 15 | 1 刚买房,mortgage lender 是Wells Fargo, 最近收到一封来自 National Biweekly
Administration 的信, 说是采用Bi-weekly or Weekly payment 能缩短付款年限和少
付利息. 可是它又说:National Biweekly Administration is not affiliated with
the Lender (Wells Fargo). 我是找Wells Fargo 借的钱,即使要采用Bi-weekly or
Weekly payment也应该是付给出Wells Fargo,与National Biweekly Administration
有什么关系呢? 请问这里有没有人有过类似经历或者经验的, 给扫扫盲. | s**m
发帖数: 1564 | 2 no need to do that, just pay extra yourself. because such programs charges
fee too | n*********n
发帖数: 97 | 3 两周付一次当然能缩短付款年限了。不过，那东西是蒙人的。你本来应该付12个
Payment每年。用Biweekly，你付了 0.5payment * 26次每年 = 13个payment.
等于你每年多付了1个payment,从而使你提前还清了。而不是他们提供的program帮了你
什么忙。 | a*****k
发帖数: 598 | 4 恩，同意~
不过每个月早付一半的话大概也能少些利息吧。。。
【在 n*********n 的大作中提到】
: 两周付一次当然能缩短付款年限了。不过，那东西是蒙人的。你本来应该付12个
: Payment每年。用Biweekly，你付了 0.5payment * 26次每年 = 13个payment.
: 等于你每年多付了1个payment,从而使你提前还清了。而不是他们提供的program帮了你
: 什么忙。
| m***6
发帖数: 884 | 5 do not know the exact math. However, if a monthly payer pay one an
addictional 50% of the monthly fee first, does that make you bi-weekly
payers always half a month behind on the schedule? So, the saved interest
can not be more than 50% of the monthly payment. --- And that is tiny in the
context of 30 years. |
|
