值不值得refinance - 未名空间MITBBS历史存档

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值不值得refinance

值不值得refinance# Living

h*i2011-12-14 08:12

1 楼

请教一下。我现在是3.75fix 15 年。贷22万。已经还了4个月。每月1900。请问值不值
得refinance 到3.375 还是15年fix. 我的担心是省的钱还不够前4个月已经交出去的。
请问有高手可以帮忙算一下吗？谢谢。

k*o2011-12-14 08:12

2 楼

The rule of thumb is that the earlier, the better, especially for the rate
drop more than 0.25%, and you only paid for 4 months.

【在 h***i 的大作中提到】

: 请教一下。我现在是3.75fix 15 年。贷22万。已经还了4个月。每月1900。请问值不值
: 得refinance 到3.375 还是15年fix. 我的担心是省的钱还不够前4个月已经交出去的。
: 请问有高手可以帮忙算一下吗？谢谢。

H*g2011-12-14 08:12

3 楼

Which state are you in? as long as it's more than 0.25%, it worth it. But
it's your personal choice whether you want to go through the complicated
process.
The money you paid is not wasted. I have an article to explain this:
http://www.mitbbs.com/clubarticle_t/MA_Mortgage_Realestate/3142

【在 h***i 的大作中提到】

w*m2011-12-14 08:12

4 楼

They discussed that
If it's no cost no point refinance with lower rate +same condition,
and u pay same amount as before refin (more to cover principle),
U always save some.

【在 h***i 的大作中提到】