If you are refinancing only to lower your monthly payments, and refinancing means that you are extending the life of the loan, you’re not actually saving money — you’re just stretching out the payments.
但如果你重新按揭只是为了减少每月的还贷,同时还贷期限延长,那么你并没有省钱——反而多花了钱。
You’ve arrived at the home you can afford based on a 30-year fixed mortgage.
买房子,你能支付起30年的固定抵押贷款。
If you’ve calculated the amount of home you can afford based only a 30-year fixed mortgage scenario, you may be taking on more than you can really afford.
考虑买房子的时候,你也许已经算过30年固定抵押贷款所需的金额,但也许比你实际支付的还要多。
Instead of strapping yourself to a 30-year fixed mortgage payment, consider how much more affordable less house with a shorter loan term is—despite the higher monthly payment.
与其把自己绑在30年固定抵押还贷上,不如想想短点贷款期限是不是更省钱——即使月付更高点。
By opting for a four percent, 15-year fixed mortgage on a $250,000 home loan over a comparable 30-year fixed loan, a homeowner could save $97,020 in interest over the life of the loan. Further, he owns the home in less than two decades.
比如25万美金的房子,贷款15年是百分之四的利息,相比于30年而言,房主能省97020美金的利息。更何况不到二十年他就能完全拥有这房子了。
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