p*y
8 楼
如果是realtor返,就是房价的百分之几,600K房子的1个point就是6000刀。
lender说返,就是指loan amount的百分之几,500K loan的一个point就是5000刀,在
closing的时候一笔返掉。
lender说返,就是指loan amount的百分之几,500K loan的一个point就是5000刀,在
closing的时候一笔返掉。
c*g
9 楼
1 point in loan will cost you around 1% of the loan amount; the benefit is
that your interest rate will be reduced by 0.25%
for example, if you apply for a 30 year fixed loan with amount of $500,000
at interest rate of 3.5%.
if you decides to buy a point, it would cost you an additional $5000 at
closing. your interest rate will be reduced to 3.25%.
some basic break even analysis will help you decide whether you should buy
the point:
at 3.5% with no point, your monthly payment would be 2,245
at 3.25% with one point, your monthly payment would be 2,176
so you save $69 each month. It costs $5000. So it takes around 72 months to
break even. In other words, if you don't refinance or sell your home in 72
months, you should buy a point. Otherwise, you should not.
that your interest rate will be reduced by 0.25%
for example, if you apply for a 30 year fixed loan with amount of $500,000
at interest rate of 3.5%.
if you decides to buy a point, it would cost you an additional $5000 at
closing. your interest rate will be reduced to 3.25%.
some basic break even analysis will help you decide whether you should buy
the point:
at 3.5% with no point, your monthly payment would be 2,245
at 3.25% with one point, your monthly payment would be 2,176
so you save $69 each month. It costs $5000. So it takes around 72 months to
break even. In other words, if you don't refinance or sell your home in 72
months, you should buy a point. Otherwise, you should not.
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