s*****d
发帖数: 284 | 1 我们新房6月底close,我们交了大约5000左右的fee,因为是builder制定的贷款公司.我
们也没有办法.但是他给的利率很高,30年36万今天锁定的话要5.125%.但是在网上估价
只要4.8%左右.所以我们想refinance.问题是我们现在就可以找下家吗?可以和下一个贷
款公司锁定利率吗?这样我们可以6月底close然后7月初就refinance?谢谢啦 |
b********t
发帖数: 102 | 2 6月底close,你们现在就交了大约5000左右的fee? 如果没交的话就另找下家吧,另外
read your purchase contract carefully if there is any penalty to change
mortgage compnay. Normally big builder won't do this (charge you money if
you change mortgage company) and this is against the law.
另外, 6月底close然后7月初就refinance不合算, unless the interest rate drops
by 2 points. |
s*****d
发帖数: 284 | 3 谢谢
为什么 不划算呢?drops 2 points什么意思?是从5降到4.8?我们一个月要付1400左右的
利息,400左右的本金,是不是晚一个月refinance,就得多交一个月利息?那不是更不划算
?谢谢解答,我什么都不知道的.
我们必须通过指定贷款公司,否则所有的优惠都拿不到.但是他们说可以refinance.
【在 b********t 的大作中提到】
: 6月底close,你们现在就交了大约5000左右的fee? 如果没交的话就另找下家吧,另外
: read your purchase contract carefully if there is any penalty to change
: mortgage compnay. Normally big builder won't do this (charge you money if
: you change mortgage company) and this is against the law.
: 另外, 6月底close然后7月初就refinance不合算, unless the interest rate drops
: by 2 points.
|
s*****d
发帖数: 284 | 4 close的时候要付2万左右.但是5000左右是贷款手续费.fee还没有付,但是都是在合同上
面写了的
【在 b********t 的大作中提到】
: 6月底close,你们现在就交了大约5000左右的fee? 如果没交的话就另找下家吧,另外
: read your purchase contract carefully if there is any penalty to change
: mortgage compnay. Normally big builder won't do this (charge you money if
: you change mortgage company) and this is against the law.
: 另外, 6月底close然后7月初就refinance不合算, unless the interest rate drops
: by 2 points.
|
b********t
发帖数: 102 | 5 close的时候要付2万左右, builder 是不是出certain percent of your purchase
price for your closing? 如果builder's incentives can cover your closing cost
, then go for it. If interest rate goes higher, then you won't save any
money by refinancing. 2% is just a rough number, refinance makes sense if
interest rate drops by 1-1.5% as you'll need to take fee and cost into
consideration
【在 s*****d 的大作中提到】
: close的时候要付2万左右.但是5000左右是贷款手续费.fee还没有付,但是都是在合同上
: 面写了的
|
s*****d
发帖数: 284 | 6 Do you mean the rate should drop from 5% to 4% or 3.5% (drops by 1-1.5%) ?
That's impossible.
The builder pay 1% of purchasing price for the transfer stamp(around 4500).
Also we got 2% of basic price for going without agent. If we refuse to use
their mortgage company, we will lose those(about 12000). So we have to go
with theirs though they charge us about 5000 for fee.
If the APR from other lender is less than the rate we get now, still not
worth refinancing? I think most lenders offer 0 fee
【在 b********t 的大作中提到】
: close的时候要付2万左右, builder 是不是出certain percent of your purchase
: price for your closing? 如果builder's incentives can cover your closing cost
: , then go for it. If interest rate goes higher, then you won't save any
: money by refinancing. 2% is just a rough number, refinance makes sense if
: interest rate drops by 1-1.5% as you'll need to take fee and cost into
: consideration
|
s*****d
发帖数: 284 | 7 Thanks for your patience. I'm totally new to this field.
cost
【在 b********t 的大作中提到】
: close的时候要付2万左右, builder 是不是出certain percent of your purchase
: price for your closing? 如果builder's incentives can cover your closing cost
: , then go for it. If interest rate goes higher, then you won't save any
: money by refinancing. 2% is just a rough number, refinance makes sense if
: interest rate drops by 1-1.5% as you'll need to take fee and cost into
: consideration
|
s******r
发帖数: 4749 | 8 1）听说Refiance 需要跟你原来的rate低起码0.5%才合算， 否则要付费， 所以你现在的loan跟外面的差别好像不够大吧
2） 注意看看你现在要拿的Loan有没有Pay-off的时间限制（我们的第一个Loan有5年不能Pay-off （Refinance）的规定。
【在 s*****d 的大作中提到】
: 我们新房6月底close,我们交了大约5000左右的fee,因为是builder制定的贷款公司.我
: 们也没有办法.但是他给的利率很高,30年36万今天锁定的话要5.125%.但是在网上估价
: 只要4.8%左右.所以我们想refinance.问题是我们现在就可以找下家吗?可以和下一个贷
: 款公司锁定利率吗?这样我们可以6月底close然后7月初就refinance?谢谢啦
|
s*****d
发帖数: 284 | 9 谢谢了
不都是0 fee的refiance吗?
我们可以付清
在的loan跟外面的差别好像不够大吧
不能Pay-off （Refinance）的规定。
【在 s******r 的大作中提到】
: 1）听说Refiance 需要跟你原来的rate低起码0.5%才合算， 否则要付费， 所以你现在的loan跟外面的差别好像不够大吧
: 2） 注意看看你现在要拿的Loan有没有Pay-off的时间限制（我们的第一个Loan有5年不能Pay-off （Refinance）的规定。
|
b********t
发帖数: 102 | 10 Regarding refinancing, the bottom line is, does it save you money? The cost
or the terms of your loan may vary, so you'll need to calculate yourself,
for example,
http://www.calculators4mortgages.com/mortgage-calculator/refinance
【在 s*****d 的大作中提到】
: Thanks for your patience. I'm totally new to this field.
:
: cost
|
s******r
发帖数: 4749 | 11 Since you can pay off your loan to the mortgage company the builder
assigned to you right away, of course, you can try to see if the refinance
will save monthly mortgage payment in July. I am kind of not believing
that internet advertised rate you mention is truly zero down refinance.
Be careful about the refinance that lowering the monthly payment for a few
hundreds dollars but you are asked again to pay a few thousands in front.
What you really need is the refinance that just lower the monthly
【在 s*****d 的大作中提到】
: 谢谢了
: 不都是0 fee的refiance吗?
: 我们可以付清
:
: 在的loan跟外面的差别好像不够大吧
: 不能Pay-off （Refinance）的规定。
|
f****i
发帖数: 20252 | 12 refi不会没有fee
【在 s*****d 的大作中提到】
: 谢谢了
: 不都是0 fee的refiance吗?
: 我们可以付清
:
: 在的loan跟外面的差别好像不够大吧
: 不能Pay-off （Refinance）的规定。
|
f****i
发帖数: 20252 | 13 现在锁6月底的话，利息就高。
锁30天或15天的话，利息就低
你跟贷款agent仔细谈谈
【在 s*****d 的大作中提到】
: 我们新房6月底close,我们交了大约5000左右的fee,因为是builder制定的贷款公司.我
: 们也没有办法.但是他给的利率很高,30年36万今天锁定的话要5.125%.但是在网上估价
: 只要4.8%左右.所以我们想refinance.问题是我们现在就可以找下家吗?可以和下一个贷
: 款公司锁定利率吗?这样我们可以6月底close然后7月初就refinance?谢谢啦
|
s*****d
发帖数: 284 | 14 我们贷款的人是说60天lock的话就要贵0.125
现在是4.875,是不是差不多可以lock了?谢谢各位朋友了 |
