l*l
2 楼
假设我现在贷30w,用7yr arm。这七年间,我的收入变化很大,principal到七年结束
的时候付了25w。那变成浮动利率以后,按照哪个principal付mortgage?如果在不
refinance的情况下?
的时候付了25w。那变成浮动利率以后,按照哪个principal付mortgage?如果在不
refinance的情况下?
i*w
3 楼
马鬃?
w*p
4 楼
depending on your ARM terms, the 2%+ and 2% increase and 5% max add may be
different.
normally if you have 3% 5-arm now, on the 6th year it will be aiming at 2%+
libor, say libor at that time is 5%, your rate will target at 7%, however,
it has to raise to 7% in stages, max 2% increase per year, so in this case
on the 6th year you pay 4%, on 7th 6%, and on 8th and afterwards 7% (if
libor stays at 5%)
On the other hand, if on the 6th year libor becomes 0.5%, then your rate
becomes 2.5%.
different.
normally if you have 3% 5-arm now, on the 6th year it will be aiming at 2%+
libor, say libor at that time is 5%, your rate will target at 7%, however,
it has to raise to 7% in stages, max 2% increase per year, so in this case
on the 6th year you pay 4%, on 7th 6%, and on 8th and afterwards 7% (if
libor stays at 5%)
On the other hand, if on the 6th year libor becomes 0.5%, then your rate
becomes 2.5%.
b*3
6 楼
按照变化当时的principle来决定interest amount。
g*q
8 楼
答非所问
人家问得是,如果有additional payment,5年后ARM adjust的时候越共是按最早的本金+
30年付款期限计算还是按adjust时的余额+25年付款期限算.
一般来说都是按adjust时的余额+25年付款期限算越共,这样才能保证你在30年后能付清
.如果按最早的本金+30年付款期限算,如果没有additional payment,rate变了的话,30
年后可能无法还清.
【在 w******p 的大作中提到】
: depending on your ARM terms, the 2%+ and 2% increase and 5% max add may be
: different.
: normally if you have 3% 5-arm now, on the 6th year it will be aiming at 2%+
: libor, say libor at that time is 5%, your rate will target at 7%, however,
: it has to raise to 7% in stages, max 2% increase per year, so in this case
: on the 6th year you pay 4%, on 7th 6%, and on 8th and afterwards 7% (if
: libor stays at 5%)
: On the other hand, if on the 6th year libor becomes 0.5%, then your rate
: becomes 2.5%.
人家问得是,如果有additional payment,5年后ARM adjust的时候越共是按最早的本金+
30年付款期限计算还是按adjust时的余额+25年付款期限算.
一般来说都是按adjust时的余额+25年付款期限算越共,这样才能保证你在30年后能付清
.如果按最早的本金+30年付款期限算,如果没有additional payment,rate变了的话,30
年后可能无法还清.
【在 w******p 的大作中提到】
: depending on your ARM terms, the 2%+ and 2% increase and 5% max add may be
: different.
: normally if you have 3% 5-arm now, on the 6th year it will be aiming at 2%+
: libor, say libor at that time is 5%, your rate will target at 7%, however,
: it has to raise to 7% in stages, max 2% increase per year, so in this case
: on the 6th year you pay 4%, on 7th 6%, and on 8th and afterwards 7% (if
: libor stays at 5%)
: On the other hand, if on the 6th year libor becomes 0.5%, then your rate
: becomes 2.5%.
p*e
11 楼
能说说为啥吗?
v*2
12 楼
能为啥。要LAYOFF了呗。
t*t
13 楼
微软啊
P*r
14 楼
真的假的,哪儿的消息啊?
l*1
15 楼
楼主装逼呗
:我知道是微软 但是为什么楼主不能光明正大的说名字 一直要拐弯抹角呢
:
:我知道是微软 但是为什么楼主不能光明正大的说名字 一直要拐弯抹角呢
:
p*o
16 楼
停办perm是真的,停几个月;但是具体原因不详,官方解释好像是因为audit和reject
率略有上升
率略有上升
g*s
17 楼
微软都不办了?现在不是job market很好么?
c*8
18 楼
很硬很大的那种公司,乌央乌央的烙印、老中
想来的要注意了
想来的要注意了
i*w
19 楼
马鬃?
p*e
24 楼
能说说为啥吗?
t*t
25 楼
微软啊
P*r
26 楼
真的假的,哪儿的消息啊?
l*1
27 楼
楼主装逼呗
:我知道是微软 但是为什么楼主不能光明正大的说名字 一直要拐弯抹角呢
:
:我知道是微软 但是为什么楼主不能光明正大的说名字 一直要拐弯抹角呢
:
p*o
28 楼
停办perm是真的,停几个月;但是具体原因不详,官方解释好像是因为audit和reject
率略有上升
率略有上升
g*s
29 楼
微软都不办了?现在不是job market很好么?
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