请教points的选择，选哪个？

25% downpay, investment property

4.499 with a buy down cost of .375% or $721.65.  P&I payment is $974.97
4.375 with a buy down cost of .500% or $962.21.  P&I payment is $960.84
4.250 with a buy down cost of .750% or $1,443.31. P&I payment is $946.70
4.125% with a buy down cost of 1.125% or $2,164.97.  P&I payment is $932.67.
3.99% with a buy down cost of 1.625% or $3,127.19.  P&I payment is $918.64.

有足够现金，该选哪个？

所有跟帖： 

• 自己算一下如果付points 多少年break even -CALoanAgent- ♂ (130 bytes) () 01/07/2020 postreply 20:52:48

• 买点数，一般5年打平。 -可口可言- ♀ (0 bytes) () 01/07/2020 postreply 20:59:47

• 对于贷款公司来说，你怎么选，他们都不吃亏。也就是说对于我们借钱人来说，怎么借也没有多大的便宜。说说我的原则， -老朽- ♂ (1637 bytes) () 01/08/2020 postreply 02:17:44

• 赞朽哥，总是这样无保留奉献！！！ -四月花开- ♀ (0 bytes) () 01/08/2020 postreply 05:47:23

• Depends on your hold period and your expectation of future inter -Blueshirt- ♂ (137 bytes) () 01/08/2020 postreply 07:42:54

• How to Calculate -柠檬椰子汁- ♂ (1418 bytes) () 01/08/2020 postreply 08:07:10

• you will need to compare the loan balance at the end of the term -Blueshirt- ♂ (0 bytes) () 01/08/2020 postreply 08:30:54

• It's included, check it out yourself. -柠檬椰子汁- ♂ (393 bytes) () 01/08/2020 postreply 09:12:31

• 若你是在工作地附近买房，我觉得你可以考虑买点数，按五年以上持有时间做打算。因交易费用高，不宜买卖 refi。 -守月- ♀ (0 bytes) () 01/08/2020 postreply 09:21:56

• 多谢诸位！ -retire_50- ♂ (0 bytes) () 01/08/2020 postreply 13:14:30