回复：再请教老猫和其他朋友：break lease 后, 信用受损会有什么后果

来源: autumnmoon 于 2006-01-17 07:57:01 [] [旧帖] [给我悄悄话] 阅读数 : 0 (648 bytes)

It will cost your money later. Housing related debt will affect mortgage lender's decidsion most. It is really not work to damage your credit for a few thousand $ that may cause you loss 10 times later.

here is an example, if you get 6.0% rate for a $300k loan. If you have housing related debt of $2000 unpaid. The typical lender will ask you pay off the debt (balance plus interest (usually 10%)) and offer you the interest of 7.5%.

During the 30 year term. 6% rate you pay $347515 interest. 7.5% rate you pay $455155. The difference is $107640.

If you get a loan without repay the debt. the rate can be 12% with 30% down.

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