求助 cashout refinance 15 年

cashout refinance 15 年 51万的贷款， (1) 2.5% no cost, (2) 2.25% 我付 2000 块。大家出出主意， 我该选哪一个？

我会选后者

我会选1。等rate低的时候还可以再重贷。

Monthly payment: 2.5% = $3400.62 2.25% = $3340.93
($3400.62 - $3340.93) = $59.69 $2000/$59.69 = 33.5 months this means you break even if you keep the loan for 33.5 months. So, if you think you will keep the loan longer than that, you should take the 2.25% by paying $2000.


回复 1楼ziziyaya的帖子
当然选前者了，省下来的2000刀投进股市