由买买提看人间百态

boards

本页内容为未名空间相应帖子的节选和存档,一周内的贴子最多显示50字,超过一周显示500字 访问原贴
Living版 - refinance: 月底close 和 月初 close 有 多少区别?
相关主题
Refinance把closing cost 加到贷款里如何?关于refinance的no cost怎么理解
close后一个月能做refinance吗?No closing cost refinancing - release fee
refinancing 问题求助!About refinance
ny 15 year refinancing现在mortgage refinance是什么利率啊?
买房和 贷款的 closing cost3.49% 12 yrs fixed Jumbo refinance, 值得做吗?
小学数学不过关,求教15-yr refinancingNJ refinance 15 yr fixed at 3.375% no cost (转载)
今天做了Refinancingrefinance with closing fee 和 no fee 问题
Refinancing 4.25% 30 year fixed30yr fix Rate 3.875%+2900closing help or 多付¥192获得3.75%
相关话题的讨论汇总
话题: close话题: refinance话题: closing话题: lender话题: 月初
1 (共1页)
n****c
发帖数: 78
1
月底close是不是月初close少付了一个月的利息啊?
b********2
发帖数: 5191
2
就利息来说, 是没有区别的
b*d
发帖数: 9308
3
基本没有区别.

【在 n****c 的大作中提到】
: 月底close是不是月初close少付了一个月的利息啊?
M********I
发帖数: 848
4
付的利息是一样的,都是从closing时算。只不过付利息的时间有些差别,造成closing
时需要的现金有些不同。
因为closing当月的利息要在closing时付,所以月初close的话,closing时要的现金就
多一些。
s*8
发帖数: 1933
5
没有区别,月初借,相当于借了差不多一个月的Interest only loan。如果你借了30年
的,实际期限是30年加1个月少一点。如果你想把最后一个月搞掉,第二个月还两个月
的本金的就可以了。
如果仔细算起来,月初借可以多赚一个月付本金在一个月内产生的利息。这一般是可以
忽略的,所以你应该根据你别的问题(比如什么时候搬家方便)来决定何时close

【在 n****c 的大作中提到】
: 月底close是不是月初close少付了一个月的利息啊?
s*8
发帖数: 1933
6
都对,为什么多人这么简单的问题都想不通,非常让人奇怪。不就是简单的日利息计算
么?
k*****c
发帖数: 1670
7
Closing Dates on a Refinance
In principle, refinancing should work in the same way as a purchase. If you
close a refinance on the 3rd of the month, for example, you should pay per
diem interest for 3 days to the old lender, and for 28 days to the new
lender. Unfortunately, because of glitches in the system, it doesn't work
out that way. Borrowers often are charged interest by both lenders for 1 day
, and sometimes 2 or 3.
The major reason seems to be that the funds don't move directly from the new
lender to the old lender. They are held by an intermediary until the new
documents have been recorded, and that process takes time. Because recording
offices are usually closed on the weekend, borrowers who close on a Friday
are especially likely to pay double interest for several days. So don't
close on a Friday if you can avoid it.
Furthermore, FHA requires that interest be paid for a full month, regardless
of when a loan is closed during the month. Those refinancing out of an FHA,
therefore, should try to close as near to the end of the month as possible.
k*****c
发帖数: 1670
8
This article clearly explain the closing date:
http://www.mtgprofessor.com/A%20-%20Options/closing_date.htm
k*****c
发帖数: 1670
9
Anothe article about refinance closing proces:
http://thefinancebuff.com/mortgage-refinance-closing-process.ht
b*d
发帖数: 9308
10
如果是FHA,要尽量在月底close.

you
day
new
recording

【在 k*****c 的大作中提到】
: Closing Dates on a Refinance
: In principle, refinancing should work in the same way as a purchase. If you
: close a refinance on the 3rd of the month, for example, you should pay per
: diem interest for 3 days to the old lender, and for 28 days to the new
: lender. Unfortunately, because of glitches in the system, it doesn't work
: out that way. Borrowers often are charged interest by both lenders for 1 day
: , and sometimes 2 or 3.
: The major reason seems to be that the funds don't move directly from the new
: lender to the old lender. They are held by an intermediary until the new
: documents have been recorded, and that process takes time. Because recording

s*8
发帖数: 1933
11
哦,学习了,我好像两次refinance没有发现被double charge,也许需要重新回去仔细
看看。

you

【在 k*****c 的大作中提到】
: Closing Dates on a Refinance
: In principle, refinancing should work in the same way as a purchase. If you
: close a refinance on the 3rd of the month, for example, you should pay per
: diem interest for 3 days to the old lender, and for 28 days to the new
: lender. Unfortunately, because of glitches in the system, it doesn't work
: out that way. Borrowers often are charged interest by both lenders for 1 day
: , and sometimes 2 or 3.
: The major reason seems to be that the funds don't move directly from the new
: lender to the old lender. They are held by an intermediary until the new
: documents have been recorded, and that process takes time. Because recording

p******y
发帖数: 3523
12
一般closing当月都是只付利息的,反正不交前一个loan的利息,就交后一个loan的利
息。如果funding在每个月的前5天里,有些lender会收一个payment,然后扣funding之
前那几天的利息,似乎更划算,但不是所有lender都这么算的。
因此,不太需要计较refi closing在月初还是月底。
1 (共1页)
相关主题
30yr fix Rate 3.875%+2900closing help or 多付¥192获得3.75%买房和 贷款的 closing cost
多付利率拿credit合算吗?小学数学不过关,求教15-yr refinancing
要不要refinance今天做了Refinancing
Refinance 从4.5到2.5, 是否值得?Refinancing 4.25% 30 year fixed
Refinance把closing cost 加到贷款里如何?关于refinance的no cost怎么理解
close后一个月能做refinance吗?No closing cost refinancing - release fee
refinancing 问题求助!About refinance
ny 15 year refinancing现在mortgage refinance是什么利率啊?
相关话题的讨论汇总
话题: close话题: refinance话题: closing话题: lender话题: 月初