sinorachel
傻傻的问房子的价钱
1850
8
2005-01-18 10:53:00
大家说的房子的多少钱，是不是不算利息的？如果加上利息要多出多少呢？
利息比房子钱还多
ehn? depends bah...
ehn? depends bah...
30 year loan's interest is more than principal, 15 year's is less than principal.
当然是Present value, 不算利息
yup, how much interest you would pay really depends on the interest rate, and the payment schedule.
you'll get some idea by experimenting with those mortgage calculators. Most of the banks and other finanical web site would have such tools.
consider inflation, the interest you pay is not a bad thing. say you save for 30 years and get $300k finnally, but 300k then may only buy a kitchen.....plus you have no house to enjoy for so many years...
那末物价上涨，房子的利息不变吗？即总数永远不变？
国内银行调整利率，房子的贷款利率也跟着涨，我芬特
大概因为两国机制不一样吧？
那末物价上涨，房子的利息不变吗？即总数永远不变？
国内银行调整利率，房子的贷款利率也跟着涨，我芬特
大概因为两国机制不一样吧？
这要看你贷款的时候怎么选的，选15年fix就是15年还清这15年贷款的利率是固定的；30年fix就是30年不变；如果是arm就是前几年固定，后面就要随利率的浮动而调整了。当然15年fix的利率一定比同时期30年fix要低的。一般arm就更低。就跟我们存款的时候，存的时间越长利率越高是一个道理。
到底了
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