K*z
2 楼
哪个州的?
y*n
6 楼
请问为什么 0 cost 的 refin
APR 比 RATE 高?
【在 s*******t 的大作中提到】![](/moin_static193/solenoid/img/up.png)
: 看zillow
: http://www.zillow.com/mortgage-rates?request=ZR-QRMYBQD
APR 比 RATE 高?
【在 s*******t 的大作中提到】
![](/moin_static193/solenoid/img/up.png)
: 看zillow
: http://www.zillow.com/mortgage-rates?request=ZR-QRMYBQD
k*o
12 楼
rate = monthly rate * 12, I guess you refer annualized simple interest rate.
APR = (monthly rate + 1) ^ 12 - 1, I guess you refer annualized compound
interest rate.
In some sense, you are absolutely correct. However, normally, but not always
, in the mortgage industry, (effective) APR is the fee + compound interest
rate.
In order to let borrowers shop around, APR is used to have the same benchmark regardless how the combination of cost and rate is evolved. ($2000 3.875% vs. $5000 % 3.125%)
In the special case (i.e. no fee), APR rolls back to rate if we could (temporally)
ignore compounding effects.
Details is here: http://en.wikipedia.org/wiki/Annual_percentage_rate
BTW, compounding effects may play significant role in the investment arena, especially long term retirement plans (i.e. 401k. 403b, Roth IRA, traditional IRA, SIMPLE, SEP, pension, etc)
【在 a*w 的大作中提到】![](/moin_static193/solenoid/img/up.png)
: rate和APR不是一回事。
: rate = monthly rate * 12
: APR = (monthly rate + 1) ^ 12 - 1
APR = (monthly rate + 1) ^ 12 - 1, I guess you refer annualized compound
interest rate.
In some sense, you are absolutely correct. However, normally, but not always
, in the mortgage industry, (effective) APR is the fee + compound interest
rate.
In order to let borrowers shop around, APR is used to have the same benchmark regardless how the combination of cost and rate is evolved. ($2000 3.875% vs. $5000 % 3.125%)
In the special case (i.e. no fee), APR rolls back to rate if we could (temporally)
ignore compounding effects.
Details is here: http://en.wikipedia.org/wiki/Annual_percentage_rate
BTW, compounding effects may play significant role in the investment arena, especially long term retirement plans (i.e. 401k. 403b, Roth IRA, traditional IRA, SIMPLE, SEP, pension, etc)
【在 a*w 的大作中提到】
![](/moin_static193/solenoid/img/up.png)
: rate和APR不是一回事。
: rate = monthly rate * 12
: APR = (monthly rate + 1) ^ 12 - 1
相关阅读
请问如果买房,然后租一间出去,租的这间收入需要报税吗?有listing agent的房子,买家必须要用buyer agent?车库门一到雨夹雪的天气就卡住关不了是怎么回事?还没走的说说怎么过年吧感觉以后房子窗户都应该设计成不能开的糕妹为什么管欢欢叫狼看房子快看吐了问个refinance rate今天的rate是不是比昨天的高呀?请教,blinds,screen door去哪里买好?哪儿买Range Hood Filter?今天给老公买礼物了左看右看,悄悄地说一声:哪里找可以自己省钱做点事的 contractor买漆刷外墙男人确实可以很猥琐的 (转载)来做选择题啦你们两口子买那么大的房子干什么签了两个房子了,发包子10个!刷墙那点事儿