b*2
4 楼
粗略估计也就$6000吧. 是应该早点做.
p*y
7 楼
一般吧,20万的贷款,就算是no cost refi 也未必能拿到最好的rate。不如,量力进
行提前还本,节省利息效果更明显。
行提前还本,节省利息效果更明显。
P*0
8 楼
not much at all.
3.25% 15yr is similar to 4% 30 yr.
so total cost for inaction is $3072.
4.75% 30 yr 200k monthly is 1043.29. At that same monthly at 4% 30 yrs, the
principle is $3072 less than the previous case (190606 vs 193678).
in fact, you are saving much less than that because it did take time for
rate to go down to 3.25% 15 yr.
【在 l****G 的大作中提到】
: 房子贷款2年了,一直4.75% 30yr,最近一查到了3.25% 15yr,大家给我算算亏了多少
: ?贷款200k。
3.25% 15yr is similar to 4% 30 yr.
so total cost for inaction is $3072.
4.75% 30 yr 200k monthly is 1043.29. At that same monthly at 4% 30 yrs, the
principle is $3072 less than the previous case (190606 vs 193678).
in fact, you are saving much less than that because it did take time for
rate to go down to 3.25% 15 yr.
【在 l****G 的大作中提到】
: 房子贷款2年了,一直4.75% 30yr,最近一查到了3.25% 15yr,大家给我算算亏了多少
: ?贷款200k。
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