w*8
2 楼
买10刀酸奶出2刀的oynso,这周是10刀5盒,2月7号的ss有黄瓶0.75的胖子,用5张达波后
,2.5刀买5盒再得2刀的oynso,算下来5毛买了5盒酸奶。我不知道这个可不可以roll,如
果可以的话,下次再买就是mm了。
,2.5刀买5盒再得2刀的oynso,算下来5毛买了5盒酸奶。我不知道这个可不可以roll,如
果可以的话,下次再买就是mm了。
r*g
3 楼
还有,如果贷30年或15年都可以承受的话,选择哪个比较好?
买房还真是门学问啊,好多东西要学
买房还真是门学问啊,好多东西要学
S*y
7 楼
哦
我去问问我上家
我去问问我上家
c*o
8 楼
15,包子
b*2
19 楼
如果是no closing cost, no point loan,可以忽略APR. 看interest rate就可以了.
o*p
20 楼
APR (Annual Percentage Rate) > mortgage rate (unless no cost refinancing).
APR includes (some) closing cost in its computation.
For no point no fee refi, just compare mortgage rate.
For purchase loan, comppare rate, lender's fee (and possible rebate).
【在 i****a 的大作中提到】![](/moin_static193/solenoid/img/up.png)
: 专业人才来了.
: 我从来没有完全明白过 rate vs APR. 能不能科谱科谱?
APR includes (some) closing cost in its computation.
For no point no fee refi, just compare mortgage rate.
For purchase loan, comppare rate, lender's fee (and possible rebate).
【在 i****a 的大作中提到】
![](/moin_static193/solenoid/img/up.png)
: 专业人才来了.
: 我从来没有完全明白过 rate vs APR. 能不能科谱科谱?
c*n
21 楼
Interest rate is the rate you borrow.
If you borrow 300K for 30 years at 4.0% at the borrowing cost of $6,000 (
mortgage related closing cost)
Your rate is still 4.0%
your interest for 30 years = 300,000(principal)*(0.04*30) = 360,000
Your actually cost over 30 years = 360,000 + $6,000 = 366,000
APR:
366,000 / 300,000 (principal) = 1.22
APR = 1.22/30 = 4.07%
Sometimes, when you go to Bank of America, their APR is much higher
proportionately because the rate they give you includes a 1 point (1% rate
buy down)
For the same transaction above with 1 point,
the interest over 30 years is still $360,000
and the actual cost is $360,000 + $3000(1 point)+$6,000=$369,000
and the APR is 369,000/(300,000*30)=4.1%
If rates given by two loan companies are the same, lower APR means lower
borrowing cost over the entire life of the loan.
this only applies to conventional loan/FHA.
If you borrow 300K for 30 years at 4.0% at the borrowing cost of $6,000 (
mortgage related closing cost)
Your rate is still 4.0%
your interest for 30 years = 300,000(principal)*(0.04*30) = 360,000
Your actually cost over 30 years = 360,000 + $6,000 = 366,000
APR:
366,000 / 300,000 (principal) = 1.22
APR = 1.22/30 = 4.07%
Sometimes, when you go to Bank of America, their APR is much higher
proportionately because the rate they give you includes a 1 point (1% rate
buy down)
For the same transaction above with 1 point,
the interest over 30 years is still $360,000
and the actual cost is $360,000 + $3000(1 point)+$6,000=$369,000
and the APR is 369,000/(300,000*30)=4.1%
If rates given by two loan companies are the same, lower APR means lower
borrowing cost over the entire life of the loan.
this only applies to conventional loan/FHA.
p*y
22 楼
比较interest rate(not APR),总的lender fee + appraisal fee。
APR是老美搞出来搞晕自己的一个东西,并非所有lender采用同一标准来计算他们的APR
的。
APR是老美搞出来搞晕自己的一个东西,并非所有lender采用同一标准来计算他们的APR
的。
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