新房贷款请教，这３种贷款计划哪种较好？

我们的基本情况： 只付１０％首付，但预计一年或一年半内可以存够另外的１０％， 信用很好。我们初步打算在这个房里住３到５年。当然也可能住得更长。

目前我们还只和新房builder loan staff联系过，想先比较一下他们提供的３种计划， 这样他们会免掉我４５００左右的closing fee. 当然我们还会和其他银行联系。

以下是３种选择， 请帮忙看看哪种对我们比较有利。 谢谢了。

1. only 1 loan, 30 years fix rate 6.25%, but we need to pay mortgage insurance, which is about $100 per month. The monthly payment (including principal, interest, hazard insurance, mortgage insurance, real estate tax) is X;

2. only 1 loan, 30 years fix rate 6.75%, but the builder will pay the mortgage insurance. The monthly payment is X-50;

3. two loans. first loan 6.25% fixed for 30 years, second laon 9.5% fixed for 30 years. In this case, no mortgage insurance is required. The monthly payment is X-65.

按照我的理解，第３种计划比较好。一来每个月的付款量是最少的， 二来我可以在一到两年内把这个高利息的１０％付清，可以要求re-finance, 而不必真的付３０年利息。

我的理解有问题吗？ 基于我们的情况， 到底哪种选择比较好？ 还有什么其他的方法吗？ 多谢指教！！

所有跟帖： 

• if only stay for 2-5 yrs, you don't --realblue-- ♀ (16 bytes) () 08/30/2006 postreply 07:29:49

• may I ask, why? more detail please -226- ♀ (0 bytes) () 08/30/2006 postreply 07:45:16

• 5 years ARM is good enough for staying 2-5years. -katies- ♀ (145 bytes) () 08/30/2006 postreply 08:03:32

• 3rd option is the best. -CaLoanAgent- ♂ (202 bytes) () 08/30/2006 postreply 08:32:19

• 3 is the best of the 3 -Jamesxu- ♂ (117 bytes) () 08/30/2006 postreply 08:33:18