请帮我选一种Lender的 Offer - 未名空间MITBBS历史存档

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请帮我选一种Lender的 Offer

请帮我选一种Lender的 Offer# Living

s*e2010-03-16 07:03

1 楼

背景：贷款15万，FHA Loan, 30年
Lender给了我三种选择，帮我选一种吧。我是学点金融知识的，可一到了实际运用，就不管用了。
Our current standard offer would be 4.875% with $1495 lender fees (plus
appraisal, title, escrows, Gov’t taxes.).
Other terms available to you:
-4.5% with $3,898 lender fees (plus appraisal, title, escrows, Gov’t taxes)
OR
-5.25% with $0 lender fees, a ‘no closing cost loan’ (appraisal, title,
escrows, Gov’t taxes must still be paid)

s*e2010-03-16 07:03

2 楼

UP一下

g*92010-03-16 07:03

3 楼

What is the monthly payment for each option and most important, how long you
plan to stay in this house?

就不管用了。
taxes)

【在 s***e 的大作中提到】

: 背景：贷款15万，FHA Loan, 30年
: Lender给了我三种选择，帮我选一种吧。我是学点金融知识的，可一到了实际运用，就不管用了。
: Our current standard offer would be 4.875% with $1495 lender fees (plus
: appraisal, title, escrows, Gov’t taxes.).
: Other terms available to you:
: -4.5% with $3,898 lender fees (plus appraisal, title, escrows, Gov’t taxes)
: OR
: -5.25% with $0 lender fees, a ‘no closing cost loan’ (appraisal, title,
: escrows, Gov’t taxes must still be paid)

m*82010-03-16 07:03

4 楼

Option 3 is not really good cauz if you stay long at this place, you pay
more. Stay more than 7 yrs, option 2 looks better. But it still depends on
how you value your opportunity cost. If you can invest 4000 and get 100%
profit now, go for 3. Just my two cents.
Yearly payment(you can do monthly if you want to):
Payment 1 Payment 2 Payment 3
Yr 0 ($1,495.00) ($3,898.00) $0.00
Yr 1 ($9,619.12) ($9,208.73) ($10,037.54)
Yr 2 ($9,619.12) ($9,208.73) ($10,037.54)
A

m*82010-03-16 07:03

5 楼

Future values 30 yrs later:
1. -627028
2. -565695
3. -696232

s*e2010-03-16 07:03

6 楼

非常感谢及楼上回复的
不肯定会呆多少年，事实上也无法预料；
呆上7年以上恐怕没有想到过；
Lender给的三种Option，其他让我根据我的情况，选择适合自己的。
1， 2， 3 都可以选，根据自己需要

【在 m******8 的大作中提到】

: Option 3 is not really good cauz if you stay long at this place, you pay
: more. Stay more than 7 yrs, option 2 looks better. But it still depends on
: how you value your opportunity cost. If you can invest 4000 and get 100%
: profit now, go for 3. Just my two cents.
: Yearly payment(you can do monthly if you want to):
: Payment 1 Payment 2 Payment 3
: Yr 0 ($1,495.00) ($3,898.00) $0.00
: Yr 1 ($9,619.12) ($9,208.73) ($10,037.54)
: Yr 2 ($9,619.12) ($9,208.73) ($10,037.54)
: A