l*****t
发帖数: 107 | 1 $181,600 loan amount refinance for 10 years fixed rate
two option now:
a. 3.75% no cost
b. 3.25% with 2500 closing cost can be put in loan amount
Which one should I choose? Please give me some idea. Thanks! |
d******n
发帖数: 2712 | 2 3.75%：月供$1,817.11，总利息 $36,453.46
3.25%：月供1,774.58，总利息 $31,349.31
如果LZ坚持花10年时间将其还完，付cost的refi总共能省$2604.15。我不觉得划算，因
为很少有人不prepay一些钱的，每个月省$42.53，先花的$2500要59个月才能省回来，
之后少付的钱才是赚的。。。5年。。。会发生很多事的。。。不如no cost，拿3.75%
的rate，想省利息就每年多pay点儿本金啥的。 |
l*****t
发帖数: 107 | 3 Thank you for your advice! |
l*****t
发帖数: 107 | 4 But if I put the $2500 closing cost into the loan amount that means I don't
have pay it up front and I plan to stay in this house at least for 5 years.
Do you think it worth to go with the low rate? Thank you for your advice!
【在 d******n 的大作中提到】
: 3.75%：月供$1,817.11，总利息 $36,453.46
: 3.25%：月供1,774.58，总利息 $31,349.31
: 如果LZ坚持花10年时间将其还完，付cost的refi总共能省$2604.15。我不觉得划算，因
: 为很少有人不prepay一些钱的，每个月省$42.53，先花的$2500要59个月才能省回来，
: 之后少付的钱才是赚的。。。5年。。。会发生很多事的。。。不如no cost，拿3.75%
: 的rate，想省利息就每年多pay点儿本金啥的。
|
b*d
发帖数: 9308 | 5 I might go with the lower rate 3.25% since it's very attractive rate.
t
.
【在 l*****t 的大作中提到】
: But if I put the $2500 closing cost into the loan amount that means I don't
: have pay it up front and I plan to stay in this house at least for 5 years.
: Do you think it worth to go with the low rate? Thank you for your advice!
|
d******n
发帖数: 2712 | 6 如果3.25%算是抄底，那么pay $2500也值得，问题是，何时是底呀？联邦要斥资买bond
，理论上说rate还会再降。
其实，这就是为什么以前买point还make sense，但是现在很少人买，以前付费refi也
还make sense，但是现在出现no-cost的原因。
t
.
【在 l*****t 的大作中提到】
: But if I put the $2500 closing cost into the loan amount that means I don't
: have pay it up front and I plan to stay in this house at least for 5 years.
: Do you think it worth to go with the low rate? Thank you for your advice!
|
V********T
发帖数: 878 | |
h***b
发帖数: 1233 | 8 利息有多低，事先没法预测。 不如从 payment 上来分析--
$181,600 loan, @ 3.75%, payment = $1817; @ 3.25%, $1775
difference = $42 / month
要省回 $2500, 需时 59.5 个月--六年哪！似乎不值得，你说呢？
今天好像第二次有人有同样问题
【在 l*****t 的大作中提到】
: $181,600 loan amount refinance for 10 years fixed rate
: two option now:
: a. 3.75% no cost
: b. 3.25% with 2500 closing cost can be put in loan amount
: Which one should I choose? Please give me some idea. Thanks!
|
