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mortgage rate# Living

L*Y2010-01-29 08:01

1 楼

How to understand the mortgage rate?
For example, the loan is 500K and the mortgage rate is 5%. The interest to
be paid is 500K X 5% = 25K.
It is not that simple, right?
Or, it is 利滚利?

c*h2010-01-29 08:01

2 楼

5% is yearly

【在 L******Y 的大作中提到】

: How to understand the mortgage rate?
: For example, the loan is 500K and the mortgage rate is 5%. The interest to
: be paid is 500K X 5% = 25K.
: It is not that simple, right?
: Or, it is 利滚利?

y*i2010-01-29 08:01

3 楼

每个月都会少一点点。

G*n2010-01-29 08:01

4 楼

你如果只付利息的话，就是这样，一年25K的利息，每个月就是25K/12=$2083
事实上并不是只付利息。比利息多的那一部分就是本金。比如你一个月付$2500。因为
第一个月的利息是$2083, 那么第一个月付的本金就是2500-2083 = $417.那么一个月后
你的本金就是:500K-417,你下个月的利息是：(500K-417) X 5% /12 = $2082, 比上个
月利息稍少一点，再还2500，这2500本金部分是2500-2082 = 418. 欠的本金是： 500K
-417-418,以此类推

【在 L******Y 的大作中提到】

L*Y2010-01-29 08:01

5 楼

Thanks for the replies.
So, grossly, assuming the same fixed mortgage rate for 15- and 30-year loan,
a 30-year loan will pay 15 years X 25K/y = 375k more compared to a 15-year
loan.
But I will be able to pay more on the 本金 if I use a 30-year loan, which
means that the actual interest to be paid will drop down faster than a 15-
year loan.
Maybe, that's one of reasons why the rate of the 30-year loan is higher ?
Assuming that I am able to pay some money to the 本金 every paycheck, bi-
weekly payment

y*i2010-01-29 08:01

6 楼

你会用excel吗？
25k*15肯定查太远了，因为到了第15年你的利息就接近0乐。在处以二还差不多。
等一下，我给你算算。

G*n2010-01-29 08:01

7 楼

loan,
year
还是那句话，如果只是付利息的话，那就是的。但是实际上利息是逐年减少的，头几年
利息接近25K,但是后面会越少。30年付的利息肯定比15年多，但是也不会多那么多
这个不对。假设30年的利率跟15年一样。你以15年贷款的payment来付30年的贷款，每
个月的利息减少量跟15年贷款的payment付15年的贷款一样，也会是刚好15年还清。
interest
这个应该是对的

【在 L******Y 的大作中提到】

: Thanks for the replies.
: So, grossly, assuming the same fixed mortgage rate for 15- and 30-year loan,
: a 30-year loan will pay 15 years X 25K/y = 375k more compared to a 15-year
: loan.
: But I will be able to pay more on the 本金 if I use a 30-year loan, which
: means that the actual interest to be paid will drop down faster than a 15-
: year loan.
: Maybe, that's one of reasons why the rate of the 30-year loan is higher ?
: Assuming that I am able to pay some money to the 本金 every paycheck, bi-
: weekly payment

y*i2010-01-29 08:01

8 楼

500k at 5% for 15 years：monthly payment=3954, total interest=211k
500k at 5% for 30 years：monthly payment=2684, total interest=466k

y*i2010-01-29 08:01

9 楼

Assuming that I am able to pay some money to the 本金 every paycheck, bi-
weekly payment is always better than the monthly payment, since the interest
will be caculated based on the new 本金 on the second bi-week ?
_____________
if you can afford it, of course.

b*32010-01-29 08:01

10 楼

利滚利。。。。。
那这么简单。

b*12010-01-29 08:01

11 楼

那如果提前还，可以么？怎么算？就还没有还的本金就可以了么？

500K

【在 G*******n 的大作中提到】

: 你如果只付利息的话，就是这样，一年25K的利息，每个月就是25K/12=$2083
: 事实上并不是只付利息。比利息多的那一部分就是本金。比如你一个月付$2500。因为
: 第一个月的利息是$2083, 那么第一个月付的本金就是2500-2083 = $417.那么一个月后
: 你的本金就是:500K-417,你下个月的利息是：(500K-417) X 5% /12 = $2082, 比上个
: 月利息稍少一点，再还2500，这2500本金部分是2500-2082 = 418. 欠的本金是： 500K
: -417-418,以此类推

g*92010-01-29 08:01

12 楼

If you are not so good at excel, buy this HP calculator, it will tell you
exactly how much interest you will pay.
http://h10010.www1.hp.com/wwpc/us/en/sm/WF05a/215348-215348-64232-20036-215349-3732534.html

【在 L******Y 的大作中提到】