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标 题: 【闲话房贷】低利率和高credit要哪一个 关键字: 贷款,房贷,利率

标  题: 【闲话房贷】低利率和高credit要哪一个
关键字: 贷款,房贷,利率
发信站: BBS 未名空间站 (Mon Sep 22 11:54:23 2014, 美东)

小文一篇，供大家参考。

有很多读者问这么一个问题：我的贷款经纪人（broker）或者银行（lender）在某某利
率下给我多少多少credit，而在一个更高的利率下给我多少多少credit，我究竟应该选
择哪一个呢？
首先，要明白一个基本的规则 - 即利率越高，银行给贷款申请人的credit就越多。

让我们举例来说明，假设某贷款申请人的所申请的贷款金额是$400K，期限为30年固定
，银行在4%的利率水平下给$2,000的credit来cover closing cost；而在4.125%的利率
水平下则能够给出$5,000的credit。4%利率下每个月的月供是$1,909.66，4.125%每个
月则是$1,938.60，两者的差值是$28.94。用5000减去2000等于3000。3000除以28.94等
于103.66。也就是说，低利率的好处要在103.66个月也就是差不多9年以后才能体现出
来。如果说在9年之内，房子卖掉了或者做了一次no cost refinance的话，选择低利率
就亏了。当然，如果说高利率比低利率给的credit比较少，比如才几百块钱，那当然是
选择低利率比较好。

另外，一般来说，对于能拿到手的现金，一定是争取先拿到手再说，因为一是没有人能
够预测生活以后会有什么变化，二是现金的当前价值相对于分摊到未来的价值一定是比
较高的。（即使考虑通货膨胀）举例来说，很多卖新房的建筑商（builder）会承诺给
贷款申请人大几千块钱的credit（假设closing cost差不多），如果申请人选用跟
builder有关系的银行来贷款的话。虽说这些银行的利率也许会稍高一些，但是一般都
允许贷款申请人在房子过户以后马上做refinance。在这种情况下，可以选择先用指定
的银行，把几千块钱的credit拿到手再说。在close之后再找其它broker做一个no cost
的refinance把利率降下来。这样钱和利率就都拿到手了。

综上所述，贷款申请人主要要比较一下能在多长时间内把低利率损失的credit收回，如
果时间短且自己能够接受，那么选择低利率；否则选择多拿credit。

--http://gengwg.blogspot.com/
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