i**b
发帖数: 28 | 1 broker建议no cost， 大家都是no cost 的吗？
有没有cost，利率差多少？
broker说不给做两个贷款，首付不够20％，还需要交loan insurance。是不是银行现在都不给做两个贷款呢？
谢谢！ |
f*****u
发帖数: 729 | 2 现阶段贷款都是做no closing cost的。除非你认为利率从此以后一路高走，不然没必
要付closing cost.
如果LTV<20%,做两个loan可能也没用，CLTV还是<20%. |
K****z
发帖数: 405 | 3 IL 可以做到85% 两个loan. 或者一个loan只付5%down。 |
k*****a
发帖数: 7389 | 4 that's why il is in shit |
c**m
发帖数: 1457 | 5 I would day depends. Sometimes if you pay $500 and it will lower your
interest rate by 0.125% or even 0.25% than if you don't pay any cost. which
one would you choose? If you are talking about full closing cost, then
forget about it in the currrent market.
If you are doing re-finance, you can use refinace plus and don't need to pay
loan insurance. If you are doing purchase, you can either do two loans or
you have to pay PMI if downpay is less than 20%.
在都不给做两个贷款呢？
【在 i**b 的大作中提到】
: broker建议no cost， 大家都是no cost 的吗？
: 有没有cost，利率差多少？
: broker说不给做两个贷款，首付不够20％，还需要交loan insurance。是不是银行现在都不给做两个贷款呢？
: 谢谢！
|
m**********g
发帖数: 2661 | 6 我怎么觉得如果有closing cost和没closing cost如果影响拿到的利率，那不是羊毛出
在羊身上吗？就算refinance,也要四个月以后，这时候你已经付掉相对高的利率的一年
1/3了，比较一下这个差额的1/3和这个fee，才好定夺到底划不划算。 |
c**m
发帖数: 1457 | 7 You have the assumption that market will be the same or better after 4
months.
If you think rate will keep the same or get better, then do no closing cost
is the best option. If rate could get worse, then pay some fee may not be a
bad idea to get a better rate.
And you will do re-finance with the same broker, otherwise you need to wait
for 6 months.
【在 m**********g 的大作中提到】
: 我怎么觉得如果有closing cost和没closing cost如果影响拿到的利率，那不是羊毛出
: 在羊身上吗？就算refinance,也要四个月以后，这时候你已经付掉相对高的利率的一年
: 1/3了，比较一下这个差额的1/3和这个fee，才好定夺到底划不划算。
|
m**********g
发帖数: 2661 | 8 不，我的假设就是利率降了，否则我也不会做refinance了。如果是要等6个月，那我的
比较更有意义了，以no closing fee拿到的高一点的利率和有closing fee拿到的低一
点的利率带来的差异已经实现了1/2年了，这个数字很可能已经接近那个closing fee了。
cost
a
wait
【在 c**m 的大作中提到】
: You have the assumption that market will be the same or better after 4
: months.
: If you think rate will keep the same or get better, then do no closing cost
: is the best option. If rate could get worse, then pay some fee may not be a
: bad idea to get a better rate.
: And you will do re-finance with the same broker, otherwise you need to wait
: for 6 months.
|
