房屋贷款

contr

又要到选择的时候了 -- 625k的贷款到地选择那种好泥? 老大们给支个着。

CoolMax

15 Year Fix

contr

回复 CoolMax 的帖子

Don't want to payback that fast. Even now I have to pay down to meet 625k limit. It seems you prefer to the fixed? I'm also thinking about it but not sure if I should stay with the arm to enjoy the low rate for a while.

CoolMax

15 year fix 3.00% today. No point, no fee.
What else you could ask for?

Read0nly

跟着瞎说两句。是否继续贷ARM取决于你对未来的利率预期。个人觉得目前的利率是历史大底，年底OT的结束或是可能的通胀预期会让利率从明年开始回升。所以继续贷ARM风险偏大，现在锁定固定利率相对稳妥些。你贷的是jumbo loan，30年固定利率在4%以上，不是太合算，如果能供得起的话，CM老大说的15年固定利率的loan比较合算，当然这只是就长期所付利息多少而言的。如果有其他开销或者工作稳定性的考虑，贷30年月供负担会小很多，继续贷ARM还是值得的。

contr

CoolMax 发表于 2012-7-2 09:24 PM
15 year fix 3.00% today. No point, no fee.
What else you could ask for?

It is good rate. But 30yr can also be as low as 3.625%. Put the diff between the principal payment into stocks ???

contr

Read0nly 发表于 2012-7-2 09:44 PM
跟着瞎说两句。是否继续贷ARM取决于你对未来的利率预期。个人觉得目前的利率是历史大底，年底OT的结束或是可 ...

wanted to paydown to 625k to qualify for super conforming. I have the same worry that the rate might go up, that is why i'm thinking of 30yr fixed right now. But the greedy is luring me... :)

contr

Read0nly 发表于 2012-7-2 09:44 PM
跟着瞎说两句。是否继续贷ARM取决于你对未来的利率预期。个人觉得目前的利率是历史大底，年底OT的结束或是可 ...

Did not have too much worry about the ability to pay down the road. Just want to use the money efficiently. Inflation or deflation, that is a question :(

Read0nly

contr 发表于 2012-7-3 02:16 AM
It is good rate. But 30yr can also be as low as 3.625%. Put the diff between the principal payment ...

如果做30年能拿到3.625%的利率很值得做。这么低的利息，早早付清没有多大好处。