“其实需要145个月才能把$3000赚回来,所以从第146个月才真正获益”
这么讲不对。第一个月就可以开始省钱。要不你为什么做重贷?你讲的145个月实质上是有费用重贷需要145个月才能显出好处来。
一般来讲,相差0.5%以内根本不需要考虑重贷。
"如果在这段期间内利率更好了,而我们又做了重新贷款的话,那么整体上那个花了费用的重新贷款是不划算的,这就是为什么大多数华人朋友选择无费用重新贷款的一个重要原因。" 想太远了没什么用处。这和考虑如果房子被烧了,重新建房子的花销如何划算有一拼。
many people likes no-cost re-fi simply because they don't have or not willing to pay extra cash. It is as if to compare loan or no-loan, 15yr or 30yr. You have to have a target function, and since no one can foresee future, every choice is actully a wrong one in theory. The "decision" is nothing more than a coin tossing.