Background: investment loan, purchance price 1500k, will move in as a primary residency in 2023 summer. No plan for 100k so far unless buying another investment property in late 2022?
1. 30yr fixed, rate 3.875%, 400k down payment, cashflow -$2300/month
2. 7/1 arm, rate 2.375%, 500k down payment, cashflow -$1000/month
Background: investment loan, purchance price 1500k, will move in as a primary residency in 2023 summer. No plan for 100k so far unless buying another investment property in late 2022?
1. 30yr fixed, rate 3.875%, 400k down payment, cashflow -$2300/month
2. 7/1 arm, rate 2.375%, 500k down payment, cashflow -$1000/month
要是我， 我选2. 不过根据我在本版学到的：我猜大牛们会选一
100k 在手里总是好的（资金链安全）。但要多付18个月mortgage（21k),也是让人纠结。
250k cash in the account when opening the loan application. 250K other asset in the account when closing the loan process. 35% downpayment.
你也可以问一下BOA他们的2nd home loan是多少利率。通常只会比 primary home多0。25 这样。因为其实你是要自己住的 不是投资房。
现在能贷30年还是尽量贷30年的，尽管我常常是用ARM。现在看来风险会大一些。
You never know what will happen 7 years later
我就是觉得2 的利息低那么多，那每个月就少付好多利息， 本金部分相应就增加， 那几年以后再refinance 就更合算。
amertize 到剩余的贷款年限。
是否值得做要看7年后短期利率的变化趋势，预设固定margin大小，loan life 的最高利率cap。不是气球。
只保留房子7年合适。超过7年要自己斟酌。
save 16K on 100K, that's return of 16%.
即使一年半多付两万，也选30贷款？