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枫下家园 / 住房话题 /
tor
I saved over $6000 from mortgage interest!
-liuhuaiyu(harry);
2003-7-29
{988}
(#1308370@0)
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首先,你的计算似乎有些问题,其次,你的罚款付得太高,估计你没和按揭银行说清楚,再其次,省回点钱是好事,似乎也没必要那么兴奋和exiting吧?
-baygirl(冰淇凌);
2003-7-29
(#1308391@0)
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谢谢批评与打击,分享我的快乐吧,高兴一次容易吗!
-liuhuaiyu(harry);
2003-7-29
(#1308412@0)
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是是,是不容易,我只是想说你的计算不是6% - 5.1% = 0.9% =2160再乘三年那么简单。
-baygirl(冰淇凌);
2003-7-29
(#1308419@0)
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哈哈,碰上行家了! 你说的对,APR小于rate,principle 在降,... 好多细节我没说,20%5万哪来的,等等.
-liuhuaiyu(harry);
2003-7-29
(#1308431@0)
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How did you get the saving of $6000. from 0.9% of next 3 years. Thanks.
-huimin(huimin);
2003-7-29
(#1308422@0)
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Never play the games with the bank, truse me, you never win.
-xz730000(笑一笑,十年少);
2003-7-29
(#1308432@0)
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not me play game with bank. the bank helps me save money this time.
I got a very good banker.
-liuhuaiyu(harry);
2003-7-29
(#1308498@0)
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Bank would never help anybody if not for money. We live in the real world.
-xz730000(笑一笑,十年少);
2003-7-29
(#1308528@0)
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without helping me, the banker will lost me as a customer.
banker alway help their long term client!
-liuhuaiyu(harry);
2003-7-29
(#1308554@0)
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再谈谈吧。罚款太高了。一些银行不会要罚款,如果你以前定的利率(6%)低于现在的公布利率(6.22%)。另外,三年 5。1% 的利率在现在来说很差!不知 8000cash back 相当于几的利率?
-foolish(傻蛋);
2003-7-29
(#1308433@0)
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一些计算细节:1.罚款:
6% - 5.9%(还剩3年多,银行按4年利率算差价) + 1.5% (当时7.5%post rate,银行给我1.5%discount) 换算成APR * 238000 * 37月/12月
2. 8500cash back for 238000 5.1% 3 years = 3.85% 3 years
-liuhuaiyu(harry);
2003-7-29
{186}
(#1308454@0)
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Very simple, the money you paid down this time (48K) should bring you more than 6K in three years if you had invested on anything reasonablely.
-xz730000(笑一笑,十年少);
2003-7-29
(#1308443@0)
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48K是从我的credit line 里出的. 我用新mortgage付清credit line 后,省$6000.00
-liuhuaiyu(harry);
2003-7-29
(#1308459@0)
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Then you borrowed more. More principal to pay back, then definitely more than 6K in the future ....yada yada yada....As I said you never win a game with bankers.
-xz730000(笑一笑,十年少);
2003-7-29
(#1308488@0)
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Good point.
-huimin(huimin);
2003-7-29
(#1308460@0)
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人家是新旧两个MORTGAGE相比较,觉得省了钱。你在讨论该多付MORTGAGE省利息还是该投资增值。两码事。
-dundas888(登达寺);
2003-7-29
(#1308494@0)
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谢谢,我的帖子写的太粗,你看明白了. 谢谢帮我解释.
-liuhuaiyu(harry);
2003-7-29
(#1308503@0)
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如果你看明白的话, 他已经多借48K in this new mortgage. 不是吗?
-xz730000(笑一笑,十年少);
2003-7-29
(#1308508@0)
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哈哈。你是明白人。
-pass(funny);
2003-7-29
(#1308513@0)
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I changed my mortgage rate to 4.1/3years with 0 penalty. So I think you deal is not good.
-wins(wins);
2003-7-29
(#1308450@0)
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No difference; He/She saved nothing this time if you read my message. I believe you did not save anything either( aroud couple of hundreds dollars, but you spent so much time involved in this whole thing).
-xz730000(笑一笑,十年少);
2003-7-29
(#1308466@0)
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要看你旧的mortgage是什么term. 3.85% 3 years 是基础, 高于3.85% 的是用来cash back/penalty的. (4.1%-3.85%)*3 = 0.75% 是你的cash back/penalty.
-liuhuaiyu(harry);
2003-7-29
(#1308472@0)
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如果你还想帮助别人,就提醒一下大家,哪个银行会有这种罚款陷阱(两个利息之差)?
-dundas888(登达寺);
2003-7-29
(#1308464@0)
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所有银行. 只是利息降的不多,或mortgage所剩时间不长时,interest difference penalty很小, 所以绝大多数人面对的penalty是3个月interest.
我的case 特殊,赶上利息这两年大降.
-liuhuaiyu(harry);
2003-7-29
(#1308483@0)
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不是,大多数的Mortgage合同里都"明文"写好了毁约罚款2~3个月利息,好像只有两家银行会罚款差价。不同银行不一样。
-dundas888(登达寺);
2003-7-29
(#1308517@0)
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谢谢! 这个消息很有帮助! 我还以为所有银行都这样呢.两年前签的时候不懂,也没想到要cancel(主要是没想到利率还会继续降这么多.) 这个mortgage让我学会了好多.
-liuhuaiyu(harry);
2003-7-29
(#1308559@0)
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对不起,我的帖子写的太粗,重新细化一下:
-liuhuaiyu(harry);
2003-7-29
{1349}
(#1308552@0)
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Good for you. Now i know it is possible to save some money by this way. Thank you for letting us share this info with you.
-xz730000(笑一笑,十年少);
2003-7-29
(#1308576@0)
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你的计算6% - 5.1% = 0.9% =0.9% * 238k * 3( years) = over $6000.00 saving. 似乎没那么简单. After 3 years, your old mortage and new mortage will be at the same rate. Here is a mortage calculator from RBC:https://www.rbcroyalbank.com/cgi-bin/mortgage/mortcalc.pl
你算算.
-huimin(huimin);
2003-7-29
{66}
(#1308623@0)
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再泼你点冷水。你的计算是完全不对的。mortgage是所谓的复利。按你的算法,好像你的238k 现在一分不还,然后在某个日子一下全还清。实际的偿还过程,本金是不断减少的,银行通常是每个月根据你本金的变化计算一次虽然你好像每个月付的钱一样,可是其中本金所占的比例是越来越大的。建议你在这方面好好学习一下,提高一下。
-yangn(Raymond);
2003-7-29
{102}
(#1308634@0)
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你和huimin说的都对,$6000只是估算.细算见内:
-liuhuaiyu(harry);
2003-7-29
{928}
(#1308889@0)
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你最大的失误是又借钱来还债。简单说,如果你还保持原来的利息不变,安20年还的话,你
只是在这三年里多损失1%的利息,比如你现在本金是20万,
也就是4000的利息(20*1%*2),或大概这个样子,可是你现在
借了48000,这是什么概念,也就是说,这48000一直要背负
尽20年来还利息,48000*5%*20=48000,也就是说,因为你
多借了这48000,在20年里,你多付48000的利息,你陪了
42000的利息钱,加上你的CASH BACK,你还多付34000,
这个算法可能不精确,可是关键是说,千万不要借钱还钱,
因为你多借一块,都会最后还这一块,都会背10,20年的利息。
这点你可以让银行再算算。
-fxid(外地民工模样的人);
2003-7-29
{509}
(#1308614@0)
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不同意。没看出有啥失误。请把中间过程忽略,他原来旧MORTGAGE就欠差不多24万,现在新的MORTGAGE也欠这么多,利息比原来低了。就这么简单。至于利率是不是最好,这是另外的问题。他原来已经上了圈套,挣脱出来当然不可能拿市场上最好最低的利率,但只要比原来好就行了。
-dundas888(登达寺);
2003-7-29
{120}
(#1308631@0)
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如果他借钱还了原来的本金而不是罚款,这个失误可能很小,如果增
大了本金,就大大错了。
-fxid(外地民工模样的人);
2003-7-29
(#1308635@0)
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还有,他千万不要用了手里的现金来付罚款,因为这个现金本来可以
减小一部份本金的。减1块本金,都省15~20年利息。
-fxid(外地民工模样的人);
2003-7-29
(#1308640@0)
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我的理解是:这个TRANSACTION结束时,他并没有动用自己一分钱,也没有另外欠债。本金和原来一样。利息比原来稍低。
-dundas888(登达寺);
2003-7-29
(#1308653@0)
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实际上是用一个新贷款一次还清老贷款同时还有CASHBACK,所以
关键看罚款的金额和CASHBACK的对比了。
-fxid(外地民工模样的人);
2003-7-29
(#1308664@0)
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计算有问题if u get a mortgage with a 5-year term w/ 6% then the total interest u should pay is about 3,9000. and if u switch to a 3-year term w/5.1% rate ,the total interest u pay is around 1,5200 but u had to plus the penalty 8,000 and the first two years interest which u paid already 2,4000.so the total for now is much more bigger than the old one .by the way , u cannot use the sample rate to calculate the interest and principle.
-fruitopia(绿茶);
2003-7-30
{426}
(#1309592@0)
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bank paid $8000 penalty, not me.
and the $39000 interest for 5 years is not right, it is much higher.
look at this post above "你和huimin说的都对,$6000只是估算.细算见内:":
-liuhuaiyu(harry);
2003-7-30
{106}
(#1309846@0)
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oh. i see. i got some wrong number because u didn't give me the exactly loan period.25 years. the number u showed me is right.
-fruitopia(绿茶);
2003-7-30
(#1310403@0)
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这就是我为什么一贯强调要选浮动利率的原因。看这个固定利率的例子,费了这么大力气才有可能少赔6000元。如果早就选浮动,哪用着这个急呀。
-rollor(Rollor);
2003-7-31
(#1311931@0)
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真是一针见血! 其实我跟本不是省了$6000, 而是象你说的,少赔了$6000而已!
我更喜欢一年一年的签fixed.比浮动要好些.
-liuhuaiyu(harry);
2003-7-31
(#1312051@0)