a****o
发帖数: 348 | 1 两天前下的offer接收了，正在准备贷款，现在有两种选择，一个是3.5% rate + 1700
closing fee,另一个3.75% no closing fee,两个rate下的monthly payment差38刀，大
家觉着选哪个好？
有人建议选3.75% 等将来利息降了再做refinance,问题是利息会降吗？ | s********y
发帖数: 3811 | 2 just some common sense rules:
1. if u want to keep the property longer, go for lower rate. if u r short on
cash, a higher rate with cash credit is good.
2. don't rely on re-finance given the overall rates up trend
baozi.
1700
【在 a****o 的大作中提到】
: 两天前下的offer接收了，正在准备贷款，现在有两种选择，一个是3.5% rate + 1700
: closing fee,另一个3.75% no closing fee,两个rate下的monthly payment差38刀，大
: 家觉着选哪个好？
: 有人建议选3.75% 等将来利息降了再做refinance,问题是利息会降吗？
| r******d
发帖数: 1879 | 3 I would assume "NO closing fee" just for NO LOAN related closing fee.
It will take about 3.7 yrs to break it even between these two options.
Is this ARM program or FIXED? If it is 5yrs ARM, you need to choose no
cost one since you will refinance soon anyway. If this is the fixed program
, I will personally choose 3.5% with $1700 closing cost since I feel the
rate might not be able to go lower in the short term. ( BUT I WISH I AM
WRONG :)
1700
【在 a****o 的大作中提到】
: 两天前下的offer接收了，正在准备贷款，现在有两种选择，一个是3.5% rate + 1700
: closing fee,另一个3.75% no closing fee,两个rate下的monthly payment差38刀，大
: 家觉着选哪个好？
: 有人建议选3.75% 等将来利息降了再做refinance,问题是利息会降吗？
| a****o
发帖数: 348 | 4 谢谢楼上的建议，我这个是15 yr fixed. 怎么都认为利率会升，我为什么最近听到下
降的说法，看来这个是选择的依据了。 | B*****a
发帖数: 5528 | 5 他说短期会将，估计是说一个月内的趋势，一年的趋势肯定是涨
【在 a****o 的大作中提到】
: 谢谢楼上的建议，我这个是15 yr fixed. 怎么都认为利率会升，我为什么最近听到下
: 降的说法，看来这个是选择的依据了。
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