The loan usually is no pre penalty, you can always
Pay off your loan at any time, one year, sever years or thirty years. Also you can pay cash to buy the house if you have enough money and don't want to borrow. Here I am talking how to use the loan and take the advantage.
For 30 years fix. Paying less now is the main point I try to make here. With the time passing, you always have choice at any time, to pay off or refinance, or keep the current loan. Remember what I mentioned, 进可攻，退可守。只有自己口袋的钱才是自己的钱，可以等待better choice. 花掉的钱不属于自己。
Project the future interest changes. However we plan ourselves for what we know, we don't plan ourselves for what we don't know. If at any time, 进可攻退可守，为什么不做呢。在投资理财上，对未来的不确定性可能是其中大的风险之一。
我担心7年之后利率还上涨我就还不上贷款了。
Times, you have less monthly payment. You can always refinance when the rate will be down, and get benitit when rate will be up. 进可攻，退可守。
Pay off your loan at any time, one year, sever years or thirty years. Also you can pay cash to buy the house if you have enough money and don't want to borrow. Here I am talking how to use the loan and take the advantage.
For 30 years fix. Paying less now is the main point I try to make here. With the time passing, you always have choice at any time, to pay off or refinance, or keep the current loan. Remember what I mentioned, 进可攻，退可守。只有自己口袋的钱才是自己的钱，可以等待better choice. 花掉的钱不属于自己。
我儿子去年买的condo就是6年的arm，反正找最低用
Project the future interest changes. However we plan ourselves for what we know, we don't plan ourselves for what we don't know. If at any time, 进可攻退可守，为什么不做呢。在投资理财上，对未来的不确定性可能是其中大的风险之一。