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有20年贷款的吗

有20年贷款的吗# Living

c*q2011-03-25 07:03

1 楼

？

c*q2011-03-25 07:03

2 楼

？

p*n2011-03-25 07:03

3 楼

有。。不过没意思，经常和三十年的利率差不多。。。

h*b2011-03-25 07:03

4 楼

in CA
30-yr vs 20-yr, difference is 0.125%
vs 15-yr 0.625%
vs 5/1 ARM (still 30-yr term) 1.375%
i did a calculation comparing 30-yr vs 5/1 ARM--savings on the first 5-yr
roughly offset "losses" on the second 5-yr assuming rates go up ~2%. if it'
s not for "peace of mind", 5/1 ARM is better than 30-yr fx. risk is if
rates sky rocketed... :p
today's rate posting--
http://www.mitbbs.com/club_bbsdoc/charles.html

o*o2011-03-25 07:03

5 楼

10年呢？15年呢？

j*k2011-03-25 07:03

6 楼

only a few i know keeps their mortgage for more than 5-7 years. Most of them
either pay off or sell their homes before the 7th yr. So why would like to
overpay for the service they don't need?

it'

【在 h***b 的大作中提到】

: in CA
: 30-yr vs 20-yr, difference is 0.125%
: vs 15-yr 0.625%
: vs 5/1 ARM (still 30-yr term) 1.375%
: i did a calculation comparing 30-yr vs 5/1 ARM--savings on the first 5-yr
: roughly offset "losses" on the second 5-yr assuming rates go up ~2%. if it'
: s not for "peace of mind", 5/1 ARM is better than 30-yr fx. risk is if
: rates sky rocketed... :p
: today's rate posting--
: http://www.mitbbs.com/club_bbsdoc/charles.html

u*d2011-03-25 07:03

7 楼

it is called margin of safety. you never know if your original plan will
hold, especially for one of your biggest purchases in your life time.

them
to

【在 j***k 的大作中提到】

: only a few i know keeps their mortgage for more than 5-7 years. Most of them
: either pay off or sell their homes before the 7th yr. So why would like to
: overpay for the service they don't need?
:
: it'

h*b2011-03-25 07:03

8 楼

that's probably correct. even you keep the house for the next 30 yrs...
many things could change. it could become a rental--in that case, borrowing
cost would be higher (refi or cash-out) and a low fixed rate taken out when
it was still owner-occupied could become an advantage. :p
rates are so low and doesn't matter which program you go, it can't be wrong.
although to some peace of mind is their paramount concern.

them
to

【在 j***k 的大作中提到】