R*M
2 楼
Loan officer建议我接受高一点的利率(+0.625%),这样可以拿回来两个点的point,差
不多可以cover全部的closing cost. 然后过三个月再做一个no cost的refinancing,把
利率降回来。相当于只是这三个月的月付高一点。
觉得有点too good to be true - 银行允许这么做,不是明白着让自己亏钱吗?
大家怎么看?
不多可以cover全部的closing cost. 然后过三个月再做一个no cost的refinancing,把
利率降回来。相当于只是这三个月的月付高一点。
觉得有点too good to be true - 银行允许这么做,不是明白着让自己亏钱吗?
大家怎么看?
p*s
3 楼
Brand new canon 5D2 body , asking for $1850 +YL
or
refurbished 24L 1.4 from canon (on the way, shipped from canon): $1280 +YL
or
xxbis $900, excellent condition, with ring, no box, not refurbished.
haha
Old ID, buy with confident.
pm me or email to p*********[email protected]
my wife is mad,MUST sell one of them
or
refurbished 24L 1.4 from canon (on the way, shipped from canon): $1280 +YL
or
xxbis $900, excellent condition, with ring, no box, not refurbished.
haha
Old ID, buy with confident.
pm me or email to p*********[email protected]
my wife is mad,MUST sell one of them
x5
6 楼
卖东西一天一贴,你有完没完?
【在 p********s 的大作中提到】
: Brand new canon 5D2 body , asking for $1850 +YL
: or
: refurbished 24L 1.4 from canon (on the way, shipped from canon): $1280 +YL
: or
: xxbis $900, excellent condition, with ring, no box, not refurbished.
: haha
: Old ID, buy with confident.
: pm me or email to p*********[email protected]
: my wife is mad,MUST sell one of them
【在 p********s 的大作中提到】
: Brand new canon 5D2 body , asking for $1850 +YL
: or
: refurbished 24L 1.4 from canon (on the way, shipped from canon): $1280 +YL
: or
: xxbis $900, excellent condition, with ring, no box, not refurbished.
: haha
: Old ID, buy with confident.
: pm me or email to p*********[email protected]
: my wife is mad,MUST sell one of them
a*l
9 楼
she is mad that carbonplay let you out.
p*r
10 楼
bless明年早绿!!
d*3
11 楼
0.625才给两个point太少了吧,我们Lender给了3.5k的credit, 利率涨了0.125
c*y
12 楼
你如果不仔细阅读版规,遵守卖东西的规定,你这个马甲就又要进黑屋了哦
p*g
13 楼
NSC的人辛苦了。希望早绿。
R*M
16 楼
比方说贷款 400k,现在能拿到的最低利率是2.625% (7yr arm),月付1607
如果同意3.5% 的话可以返两点,也就是拿到8k的credit,这个月付是1796
三个月之后做refinancing,按照现在的情况(赌三个月以后利率不变,有风险),能拿到
2.875% no cost, 月付1660
那么我现在选高利率拿点的代价是3个月的(1796-1660)x3=408, 2.625%和2.875%的月付
差53块。那么就是说,(8000-408)/53=143个月,差不多12年以后我才损失掉现在拿到
的2点
事实上我肯定会在5-8年内换房,或者再次refinance,就算不考虑月付差53块的贬值,
我也是赚的啊(利率三个月内不涨的前提下)
求大家拍砖看我哪里算错了
【在 b**********y 的大作中提到】
: 明摆着对银行有利嘛,那三个月月付的高利率和高利息;而且零花费贷款其实还是羊毛
: 出在羊身上,这还要解释吗
如果同意3.5% 的话可以返两点,也就是拿到8k的credit,这个月付是1796
三个月之后做refinancing,按照现在的情况(赌三个月以后利率不变,有风险),能拿到
2.875% no cost, 月付1660
那么我现在选高利率拿点的代价是3个月的(1796-1660)x3=408, 2.625%和2.875%的月付
差53块。那么就是说,(8000-408)/53=143个月,差不多12年以后我才损失掉现在拿到
的2点
事实上我肯定会在5-8年内换房,或者再次refinance,就算不考虑月付差53块的贬值,
我也是赚的啊(利率三个月内不涨的前提下)
求大家拍砖看我哪里算错了
【在 b**********y 的大作中提到】
: 明摆着对银行有利嘛,那三个月月付的高利率和高利息;而且零花费贷款其实还是羊毛
: 出在羊身上,这还要解释吗
G*1
17 楼
上个马甲还是这样?该换LD鸟... :P
【在 p********s 的大作中提到】
: Brand new canon 5D2 body , asking for $1850 +YL
: or
: refurbished 24L 1.4 from canon (on the way, shipped from canon): $1280 +YL
: or
: xxbis $900, excellent condition, with ring, no box, not refurbished.
: haha
: Old ID, buy with confident.
: pm me or email to p*********[email protected]
: my wife is mad,MUST sell one of them
【在 p********s 的大作中提到】
: Brand new canon 5D2 body , asking for $1850 +YL
: or
: refurbished 24L 1.4 from canon (on the way, shipped from canon): $1280 +YL
: or
: xxbis $900, excellent condition, with ring, no box, not refurbished.
: haha
: Old ID, buy with confident.
: pm me or email to p*********[email protected]
: my wife is mad,MUST sell one of them
w*m
18 楼
5-8年肯定换为啥不用7年的ARM
t*a
19 楼
mad for ... what?
【在 p********s 的大作中提到】
: Brand new canon 5D2 body , asking for $1850 +YL
: or
: refurbished 24L 1.4 from canon (on the way, shipped from canon): $1280 +YL
: or
: xxbis $900, excellent condition, with ring, no box, not refurbished.
: haha
: Old ID, buy with confident.
: pm me or email to p*********[email protected]
: my wife is mad,MUST sell one of them
【在 p********s 的大作中提到】
: Brand new canon 5D2 body , asking for $1850 +YL
: or
: refurbished 24L 1.4 from canon (on the way, shipped from canon): $1280 +YL
: or
: xxbis $900, excellent condition, with ring, no box, not refurbished.
: haha
: Old ID, buy with confident.
: pm me or email to p*********[email protected]
: my wife is mad,MUST sell one of them
d*3
20 楼
cash留在手里肯定是对的,你没有错
b*y
24 楼
三个月后refi重新开个30年贷本金是你剩下的;你前三个月月付还得利息多,大概小四
千,而且你的points只能用在closing上。所以你三个月就换贷款,银行会亏一点
closing fee - 四千多;但它赌你会stay
【在 R*M 的大作中提到】
: 比方说贷款 400k,现在能拿到的最低利率是2.625% (7yr arm),月付1607
: 如果同意3.5% 的话可以返两点,也就是拿到8k的credit,这个月付是1796
: 三个月之后做refinancing,按照现在的情况(赌三个月以后利率不变,有风险),能拿到
: 2.875% no cost, 月付1660
: 那么我现在选高利率拿点的代价是3个月的(1796-1660)x3=408, 2.625%和2.875%的月付
: 差53块。那么就是说,(8000-408)/53=143个月,差不多12年以后我才损失掉现在拿到
: 的2点
: 事实上我肯定会在5-8年内换房,或者再次refinance,就算不考虑月付差53块的贬值,
: 我也是赚的啊(利率三个月内不涨的前提下)
: 求大家拍砖看我哪里算错了
千,而且你的points只能用在closing上。所以你三个月就换贷款,银行会亏一点
closing fee - 四千多;但它赌你会stay
【在 R*M 的大作中提到】
: 比方说贷款 400k,现在能拿到的最低利率是2.625% (7yr arm),月付1607
: 如果同意3.5% 的话可以返两点,也就是拿到8k的credit,这个月付是1796
: 三个月之后做refinancing,按照现在的情况(赌三个月以后利率不变,有风险),能拿到
: 2.875% no cost, 月付1660
: 那么我现在选高利率拿点的代价是3个月的(1796-1660)x3=408, 2.625%和2.875%的月付
: 差53块。那么就是说,(8000-408)/53=143个月,差不多12年以后我才损失掉现在拿到
: 的2点
: 事实上我肯定会在5-8年内换房,或者再次refinance,就算不考虑月付差53块的贬值,
: 我也是赚的啊(利率三个月内不涨的前提下)
: 求大家拍砖看我哪里算错了
q*z
28 楼
好价钱呀
【在 p********s 的大作中提到】
: Brand new canon 5D2 body , asking for $1850 +YL
: or
: refurbished 24L 1.4 from canon (on the way, shipped from canon): $1280 +YL
: or
: xxbis $900, excellent condition, with ring, no box, not refurbished.
: haha
: Old ID, buy with confident.
: pm me or email to p*********[email protected]
: my wife is mad,MUST sell one of them
【在 p********s 的大作中提到】
: Brand new canon 5D2 body , asking for $1850 +YL
: or
: refurbished 24L 1.4 from canon (on the way, shipped from canon): $1280 +YL
: or
: xxbis $900, excellent condition, with ring, no box, not refurbished.
: haha
: Old ID, buy with confident.
: pm me or email to p*********[email protected]
: my wife is mad,MUST sell one of them
r*v
29 楼
.......
告诉你LD,你一个镜头可以赚100,比折腾CVS快多了
【在 p********s 的大作中提到】
: Brand new canon 5D2 body , asking for $1850 +YL
: or
: refurbished 24L 1.4 from canon (on the way, shipped from canon): $1280 +YL
: or
: xxbis $900, excellent condition, with ring, no box, not refurbished.
: haha
: Old ID, buy with confident.
: pm me or email to p*********[email protected]
: my wife is mad,MUST sell one of them
告诉你LD,你一个镜头可以赚100,比折腾CVS快多了
【在 p********s 的大作中提到】
: Brand new canon 5D2 body , asking for $1850 +YL
: or
: refurbished 24L 1.4 from canon (on the way, shipped from canon): $1280 +YL
: or
: xxbis $900, excellent condition, with ring, no box, not refurbished.
: haha
: Old ID, buy with confident.
: pm me or email to p*********[email protected]
: my wife is mad,MUST sell one of them
a*l
33 楼
大家对板神非常耐斯,这么长时间了,还没人给出一个字的标准答案。
p*e
41 楼
太贵
【在 p********s 的大作中提到】
: Brand new canon 5D2 body , asking for $1850 +YL
: or
: refurbished 24L 1.4 from canon (on the way, shipped from canon): $1280 +YL
: or
: xxbis $900, excellent condition, with ring, no box, not refurbished.
: haha
: Old ID, buy with confident.
: pm me or email to p*********[email protected]
: my wife is mad,MUST sell one of them
【在 p********s 的大作中提到】
: Brand new canon 5D2 body , asking for $1850 +YL
: or
: refurbished 24L 1.4 from canon (on the way, shipped from canon): $1280 +YL
: or
: xxbis $900, excellent condition, with ring, no box, not refurbished.
: haha
: Old ID, buy with confident.
: pm me or email to p*********[email protected]
: my wife is mad,MUST sell one of them
s*s
44 楼
24L is too expensive on this board, sell it on craigslist.
【在 p********s 的大作中提到】
: Brand new canon 5D2 body , asking for $1850 +YL
: or
: refurbished 24L 1.4 from canon (on the way, shipped from canon): $1280 +YL
: or
: xxbis $900, excellent condition, with ring, no box, not refurbished.
: haha
: Old ID, buy with confident.
: pm me or email to p*********[email protected]
: my wife is mad,MUST sell one of them
【在 p********s 的大作中提到】
: Brand new canon 5D2 body , asking for $1850 +YL
: or
: refurbished 24L 1.4 from canon (on the way, shipped from canon): $1280 +YL
: or
: xxbis $900, excellent condition, with ring, no box, not refurbished.
: haha
: Old ID, buy with confident.
: pm me or email to p*********[email protected]
: my wife is mad,MUST sell one of them
w*e
45 楼
sell your wife
【在 p********s 的大作中提到】
: Brand new canon 5D2 body , asking for $1850 +YL
: or
: refurbished 24L 1.4 from canon (on the way, shipped from canon): $1280 +YL
: or
: xxbis $900, excellent condition, with ring, no box, not refurbished.
: haha
: Old ID, buy with confident.
: pm me or email to p*********[email protected]
: my wife is mad,MUST sell one of them
【在 p********s 的大作中提到】
: Brand new canon 5D2 body , asking for $1850 +YL
: or
: refurbished 24L 1.4 from canon (on the way, shipped from canon): $1280 +YL
: or
: xxbis $900, excellent condition, with ring, no box, not refurbished.
: haha
: Old ID, buy with confident.
: pm me or email to p*********[email protected]
: my wife is mad,MUST sell one of them
i*t
50 楼
p神的马甲啊?
p*e
52 楼
24L payment pending le hehe
k*t
56 楼
不是MUST SELL吗? 咋成了MUST BE SOLD
z*z
57 楼
co sell
【在 p********s 的大作中提到】
: Brand new canon 5D2 body , asking for $1850 +YL
: or
: refurbished 24L 1.4 from canon (on the way, shipped from canon): $1280 +YL
: or
: xxbis $900, excellent condition, with ring, no box, not refurbished.
: haha
: Old ID, buy with confident.
: pm me or email to p*********[email protected]
: my wife is mad,MUST sell one of them
【在 p********s 的大作中提到】
: Brand new canon 5D2 body , asking for $1850 +YL
: or
: refurbished 24L 1.4 from canon (on the way, shipped from canon): $1280 +YL
: or
: xxbis $900, excellent condition, with ring, no box, not refurbished.
: haha
: Old ID, buy with confident.
: pm me or email to p*********[email protected]
: my wife is mad,MUST sell one of them
j*s
60 楼
你那xxbis, xbis都是指的什么镜头?
70-200mm F4 IS or 70-200mm F2.8IS?
【在 p********s 的大作中提到】
: Brand new canon 5D2 body , asking for $1850 +YL
: or
: refurbished 24L 1.4 from canon (on the way, shipped from canon): $1280 +YL
: or
: xxbis $900, excellent condition, with ring, no box, not refurbished.
: haha
: Old ID, buy with confident.
: pm me or email to p*********[email protected]
: my wife is mad,MUST sell one of them
70-200mm F4 IS or 70-200mm F2.8IS?
【在 p********s 的大作中提到】
: Brand new canon 5D2 body , asking for $1850 +YL
: or
: refurbished 24L 1.4 from canon (on the way, shipped from canon): $1280 +YL
: or
: xxbis $900, excellent condition, with ring, no box, not refurbished.
: haha
: Old ID, buy with confident.
: pm me or email to p*********[email protected]
: my wife is mad,MUST sell one of them
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