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枫下家园 / 住房话题 /
tor
My house is closed with 90 days. I got bank pre-approval 4.8% for 5 yrs with 1.5% cashback. Does anyone have a better deal? Tks.
-nino(Nino);
2003-9-2
(#1354437@0)
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1.5% cash back 是多少钱，要是借20万，就先送你3千？
-mp3(阴天);
2003-9-2
(#1354470@0)
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You get $3000 gift certificate for home furnishing.
-nino(Nino);
2003-9-3
(#1354736@0)
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我的是3年fixed 4.3%。
-qianxingren(紫川猪);
2003-9-2
(#1354561@0)
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Good deal. 1.5% / 5 = 0.3%. 4.8% - 0.3% = 4.5%. The 5 years rate 4.5% is a very good deal.
-laofa(老乏);
2003-9-3
(#1354807@0)
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你的算法真逗！银行可不是傻子假设Amortization Period -- 25年
A. 借20万，年利率为4.8%
B. 借20万，年利率为4.5%
C. 由于有1.5%的cash back, 这$3000直接用于还本，则借$197,000
但利率仍为4.8%
5年后情况如下
总共支付 支付利息 还本
A. $68,432.40 $44,886.34 $23,546.06
B. $66,417.00 $42,009.43 $24,407.57
C. $67,406.40 $44,212.98 $23,193.42
这真是差之毫厘失之千里
-zhylj(爱谁谁);
2003-9-3
{378}
(#1355171@0)
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你的结论是什么?我的结论:C最好,和你一样吗?
-liuhuaiyu(harry);
2003-9-3
{744}
(#1355462@0)
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原来是把已还的$3000忘了。我明明觉得是C好，但又看不出哪里算错了，差点想死机了。
-qqqqq(qqqqq 有翼自薄);
2003-9-3
(#1355567@0)
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Can you tell me which bank? Thanks!
-mouseloverice(老鼠爱大米);
2003-9-3
(#1355116@0)
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Royal bank at Finch & Donmills. The builder Brookfield homes has agreement with Royal bank.
-nino(Nino);
2003-9-3
(#1355782@0)