Help: 增加月供 or 增加principle? Thanks.

Which is better and may help reduce rate?

1. 月供now: $1,000/month, and add $1,000 to principle/month.

Or

2. Ask the bank to increase 月供 to $2,000/month. Additional money to add to principle/month, if any.

所有跟帖： 

• 有分别吗? -MrsKwok- ♀ (0 bytes) () 06/03/2009 postreply 10:09:13

• Don't know. Would like to learn from others. -smileJJ- ♀ (0 bytes) () 06/03/2009 postreply 10:12:27

• 按我的理解, 该选1吧. 增付本金. -展眉- ♀ (0 bytes) () 06/03/2009 postreply 10:10:06

• 我也认为1比较核算 -我也有话说- ♀ (0 bytes) () 06/03/2009 postreply 10:11:01

• It is the same result -pcstar- ♂ (568 bytes) () 06/03/2009 postreply 10:13:23

• if you have 30 years mortgage, you may refinance for 15 yrs -也来说说- ♀ (147 bytes) () 06/03/2009 postreply 10:25:15

• 这是个好办法，还可以拿个低点的RATE。 -晴天六月- ♀ (0 bytes) () 06/03/2009 postreply 10:56:17