c*k
2 楼
请问贷款大牛, 小可有点算不明白了.
俺从今年1月份开始的贷款360K, 4.25% 15年FIXED, 到现在交了7个月, 现在有个机会
REFIN到3.875% 15年FIXED, NO FEE, NO POINT, APPRAISAL FEE will be refunded.
值得做吗? 便宜肯定是便宜一点了, 问题是贷款期长了7个月, 总的来说是不是合算?
还有从趋势看还有下跌的空间吗? 是不是应该再等等?
生活困难, 大牛扶扶贫吧, 谢谢了
俺从今年1月份开始的贷款360K, 4.25% 15年FIXED, 到现在交了7个月, 现在有个机会
REFIN到3.875% 15年FIXED, NO FEE, NO POINT, APPRAISAL FEE will be refunded.
值得做吗? 便宜肯定是便宜一点了, 问题是贷款期长了7个月, 总的来说是不是合算?
还有从趋势看还有下跌的空间吗? 是不是应该再等等?
生活困难, 大牛扶扶贫吧, 谢谢了
a*z
3 楼
rt
a*e
4 楼
好像是doublebull要出?多少钱?
l*d
5 楼
sorry 啊,我一直以为是鸡毛掸子呢
v*e
6 楼
no cost refinance is always good from an NPV standpoint. don't confuse ourse
lves by thinking about terms and total interest to be paid over the life of
a lone. the present value of future cash flows and the actual monthly paymen
t burden are the two most important things to consider (and the only things
to consider, in my opinion).
【在 c*******k 的大作中提到】
: 请问贷款大牛, 小可有点算不明白了.
: 俺从今年1月份开始的贷款360K, 4.25% 15年FIXED, 到现在交了7个月, 现在有个机会
: REFIN到3.875% 15年FIXED, NO FEE, NO POINT, APPRAISAL FEE will be refunded.
: 值得做吗? 便宜肯定是便宜一点了, 问题是贷款期长了7个月, 总的来说是不是合算?
: 还有从趋势看还有下跌的空间吗? 是不是应该再等等?
: 生活困难, 大牛扶扶贫吧, 谢谢了
lves by thinking about terms and total interest to be paid over the life of
a lone. the present value of future cash flows and the actual monthly paymen
t burden are the two most important things to consider (and the only things
to consider, in my opinion).
【在 c*******k 的大作中提到】
: 请问贷款大牛, 小可有点算不明白了.
: 俺从今年1月份开始的贷款360K, 4.25% 15年FIXED, 到现在交了7个月, 现在有个机会
: REFIN到3.875% 15年FIXED, NO FEE, NO POINT, APPRAISAL FEE will be refunded.
: 值得做吗? 便宜肯定是便宜一点了, 问题是贷款期长了7个月, 总的来说是不是合算?
: 还有从趋势看还有下跌的空间吗? 是不是应该再等等?
: 生活困难, 大牛扶扶贫吧, 谢谢了
d*l
8 楼
恩,我想出,还没想好价格呢。700? 我回头在这里发个广告
b*d
10 楼
d*o
11 楼
mememe,我要出 i7 3770s 一体机
b*r
12 楼
so what? what's the point?
l*5
15 楼
浑天狼牙棒, 专扫天下不平
a*e
17 楼
跟这个一样吗?
700包邮吗?
http://www.mitbbs.com/article_t/Hardware/31739685.html
【在 d********l 的大作中提到】
: 来吧,一起发广告吧
700包邮吗?
http://www.mitbbs.com/article_t/Hardware/31739685.html
【在 d********l 的大作中提到】
: 来吧,一起发广告吧
d*l
19 楼
这个是我的,价格也可以700
Dell Outlet XPS 8500 Desktop
120V Power Cord
Label
12 GB Dual Channel DDR3 SDRAM at 1600MHz
Software
Certified Refurbished
2 TB 7200 RPM Hard Drive
Processor: Intel Core 3rd Gen i7-3770 Processor (3.40 GHz with Turbo Boost 2
.0 up to 3.90 GHz)
No Speakers
Shipping Material
Label
Video Ports Cover
Dell Wireless 1703 802.11b/g/n, Bluetooth v4.0
8X Blu-Ray Writer
Software
Documentation
Software
Information
White Chassis w/19:1 media card reader
Software
Dell USB 6-Button Laser Mouse
Windows 64 Bit
Shipping Material
32 GB SSDR mSATA Full Card
Software
Windows 64 Bit
English Keyboard
Heatsink
Screw
Cyberlink Media Suite Essentials DVD
Windows 8
AMD Radeon HD 7770
Label
【在 a****e 的大作中提到】
: 跟这个一样吗?
: 700包邮吗?
: http://www.mitbbs.com/article_t/Hardware/31739685.html
Dell Outlet XPS 8500 Desktop
120V Power Cord
Label
12 GB Dual Channel DDR3 SDRAM at 1600MHz
Software
Certified Refurbished
2 TB 7200 RPM Hard Drive
Processor: Intel Core 3rd Gen i7-3770 Processor (3.40 GHz with Turbo Boost 2
.0 up to 3.90 GHz)
No Speakers
Shipping Material
Label
Video Ports Cover
Dell Wireless 1703 802.11b/g/n, Bluetooth v4.0
8X Blu-Ray Writer
Software
Documentation
Software
Information
White Chassis w/19:1 media card reader
Software
Dell USB 6-Button Laser Mouse
Windows 64 Bit
Shipping Material
32 GB SSDR mSATA Full Card
Software
Windows 64 Bit
English Keyboard
Heatsink
Screw
Cyberlink Media Suite Essentials DVD
Windows 8
AMD Radeon HD 7770
Label
【在 a****e 的大作中提到】
: 跟这个一样吗?
: 700包邮吗?
: http://www.mitbbs.com/article_t/Hardware/31739685.html
d*o
21 楼
不一样
【在 a****e 的大作中提到】
: 跟这个一样吗?
: 700包邮吗?
: http://www.mitbbs.com/article_t/Hardware/31739685.html
【在 a****e 的大作中提到】
: 跟这个一样吗?
: 700包邮吗?
: http://www.mitbbs.com/article_t/Hardware/31739685.html
s*l
25 楼
版主能不能把关于REFI不用考虑以前交过的利息的讨论放精华区或者置个顶?咋就总是
有人不明白呢。版上热心人都解释好几遍了。
有人不明白呢。版上热心人都解释好几遍了。
e*r
28 楼
这里给你个表格,你自己填上数字,当小学数学题一样算一下,就都明白了。
www.mtgprofessor.com/Spreadsheets/Xtrapmts.xls
现在要得着机会就往下做。。。
www.mtgprofessor.com/Spreadsheets/Xtrapmts.xls
现在要得着机会就往下做。。。
p*r
29 楼
This is really low. Where are you? The SoCal rate is 4.0% according to bed (I
don't know if his rate has fees or not).
Sometimes, I don't know how the lenders are making money at this lower rate,
excluding broker fees, appraisal fees, etc. They can only net around 3.5% at
most. There are FDIC insured 10-year CD that yields 3.5% right now. Why do
they consider you a better risk comparing to FDIC???
【在 c*******k 的大作中提到】
: 请问贷款大牛, 小可有点算不明白了.
: 俺从今年1月份开始的贷款360K, 4.25% 15年FIXED, 到现在交了7个月, 现在有个机会
: REFIN到3.875% 15年FIXED, NO FEE, NO POINT, APPRAISAL FEE will be refunded.
: 值得做吗? 便宜肯定是便宜一点了, 问题是贷款期长了7个月, 总的来说是不是合算?
: 还有从趋势看还有下跌的空间吗? 是不是应该再等等?
: 生活困难, 大牛扶扶贫吧, 谢谢了
don't know if his rate has fees or not).
Sometimes, I don't know how the lenders are making money at this lower rate,
excluding broker fees, appraisal fees, etc. They can only net around 3.5% at
most. There are FDIC insured 10-year CD that yields 3.5% right now. Why do
they consider you a better risk comparing to FDIC???
【在 c*******k 的大作中提到】
: 请问贷款大牛, 小可有点算不明白了.
: 俺从今年1月份开始的贷款360K, 4.25% 15年FIXED, 到现在交了7个月, 现在有个机会
: REFIN到3.875% 15年FIXED, NO FEE, NO POINT, APPRAISAL FEE will be refunded.
: 值得做吗? 便宜肯定是便宜一点了, 问题是贷款期长了7个月, 总的来说是不是合算?
: 还有从趋势看还有下跌的空间吗? 是不是应该再等等?
: 生活困难, 大牛扶扶贫吧, 谢谢了
s*n
30 楼
no fee, no point, no appraisal fee,还有其他fee么,比如title insurance,
goverment record fee等等
【在 c*******k 的大作中提到】
: 请问贷款大牛, 小可有点算不明白了.
: 俺从今年1月份开始的贷款360K, 4.25% 15年FIXED, 到现在交了7个月, 现在有个机会
: REFIN到3.875% 15年FIXED, NO FEE, NO POINT, APPRAISAL FEE will be refunded.
: 值得做吗? 便宜肯定是便宜一点了, 问题是贷款期长了7个月, 总的来说是不是合算?
: 还有从趋势看还有下跌的空间吗? 是不是应该再等等?
: 生活困难, 大牛扶扶贫吧, 谢谢了
goverment record fee等等
【在 c*******k 的大作中提到】
: 请问贷款大牛, 小可有点算不明白了.
: 俺从今年1月份开始的贷款360K, 4.25% 15年FIXED, 到现在交了7个月, 现在有个机会
: REFIN到3.875% 15年FIXED, NO FEE, NO POINT, APPRAISAL FEE will be refunded.
: 值得做吗? 便宜肯定是便宜一点了, 问题是贷款期长了7个月, 总的来说是不是合算?
: 还有从趋势看还有下跌的空间吗? 是不是应该再等等?
: 生活困难, 大牛扶扶贫吧, 谢谢了
t*r
34 楼
怎么地区差异这么大啊,看到有人说加州那边3.25%。
b*d
36 楼
4.0%没有任何的费用,但是Loan Amount要大才可以(close to 400K)。Lender做完Loan
以后,马上就卖给华尔街了,我听说一个Loan差不多可以赚一万块.
(I
rate,
at
【在 p********r 的大作中提到】
: This is really low. Where are you? The SoCal rate is 4.0% according to bed (I
: don't know if his rate has fees or not).
: Sometimes, I don't know how the lenders are making money at this lower rate,
: excluding broker fees, appraisal fees, etc. They can only net around 3.5% at
: most. There are FDIC insured 10-year CD that yields 3.5% right now. Why do
: they consider you a better risk comparing to FDIC???
以后,马上就卖给华尔街了,我听说一个Loan差不多可以赚一万块.
(I
rate,
at
【在 p********r 的大作中提到】
: This is really low. Where are you? The SoCal rate is 4.0% according to bed (I
: don't know if his rate has fees or not).
: Sometimes, I don't know how the lenders are making money at this lower rate,
: excluding broker fees, appraisal fees, etc. They can only net around 3.5% at
: most. There are FDIC insured 10-year CD that yields 3.5% right now. Why do
: they consider you a better risk comparing to FDIC???
p*0
40 楼
I locked 4% for 15 fixed a couple of days ago...no cost refinance
3.75% is really good.
Might I ask which area you are? If you are in MD, could you share who is
your agent?
3.75% is really good.
Might I ask which area you are? If you are in MD, could you share who is
your agent?
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