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本帖最后由 Rapala 于 2010-2-17 09:25 编辑
; k; c5 B, d" t$ Y: d7 s8 i7 P$ |2 n也许利息以后会涨的很高,$30万的贷款,月付$1000,可以承受最高4%的利息(prime=4.3%)。但浮动的人不会在此时立即破产。之前已经有每年$5000的优势,可以refinance一下。就算prime到6%,$5000也可以让浮动的人支撑一年。 g1 j3 P, H: i- ^
Refinance is considered as breaking the mortgage contract and he has to pay 3 month interest.- G5 Z$ I {3 ~6 O# U+ q
: h u: A7 M7 P; ]& F' |If he apply home line of credit, he has to pay the legal fees and appraisal fees. And also he can only get 80% out of the $5000. The legal and appraisal fees may cost him $2000.
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5 j9 _9 v' B, ^2 }7 JAfter all, please don't forget that he may not qualify the extra $5000 loan after the prime rate goes up to 4.3%. |
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