要不要refinance？

现有mortgage rate 5.25% 30 years fixed,是不是要refinance 为 5 year ARM,4.25% no cost 呢？可以少 1%，5年下来节约一大笔钱。危险是如果那时 mortgage interest rate jump up, 最坏打算，可能要付 9%。

大家给参谋参谋。谢谢。

所有跟帖： 

• 有道理、、、、 -laoyangdelp- ♀ (0 bytes) () 11/12/2009 postreply 14:45:49

• 请问15%利率下，房价是否大跌？ -any_more_left- ♂ (0 bytes) () 11/12/2009 postreply 15:11:01

• 那要是利率往上跑时，房价也会往上跑，大不了 -laoyangdelp- ♀ (12 bytes) () 11/12/2009 postreply 16:55:24

• 请你查1980-2005房贷利率的变化。再对比房价。 -any_more_left- ♂ (0 bytes) () 11/12/2009 postreply 17:23:42

• 回复：要不要refinance？ -blocked- ♂ (113 bytes) () 11/12/2009 postreply 14:33:41

• 为什么不make financial sense 呢？少 1% 每年 -laoyangdelp- ♀ (31 bytes) () 11/12/2009 postreply 14:47:08

• Re-fi takes you into new terms! If you've paid for 5 years -any_more_left- ♂ (57 bytes) () 11/12/2009 postreply 19:33:22

• if you plan to sell your house at couple of years -xixi2009- ♀ (77 bytes) () 11/12/2009 postreply 14:47:18

• 目前的计划是 stay another 10 years.但是计划赶不上变化 -laoyangdelp- ♀ (27 bytes) () 11/12/2009 postreply 14:49:48

• 回复：目前的计划是 stay another 10 years.但是计划赶不上变化 -blocked- ♂ (126 bytes) () 11/12/2009 postreply 14:56:43

• 干嘛这么凶？ -MiHuPig- ♀ (0 bytes) () 11/12/2009 postreply 15:08:48

• 回复：回复：目前的计划是 stay another 10 years.但是计划赶不上变化 -1新手- ♂ (31 bytes) () 11/12/2009 postreply 15:26:45

• 目前的利率很低 -MiHuPig- ♀ (112 bytes) () 11/12/2009 postreply 15:10:23

• 回复：目前的利率很低 -laoyangdelp- ♀ (121 bytes) () 11/12/2009 postreply 16:57:53

• 现在refi 成ARM不make sense. 你这种情况不如每月多交点本金就算了。 -虎崽羊妞- ♀ (0 bytes) () 11/12/2009 postreply 17:04:09

• we have large equity in the house -laoyangdelp- ♀ (70 bytes) () 11/12/2009 postreply 17:07:39

• 如果你不想在这个房子里退休养老，就保持status quo 吧，既然不确定 -虎崽羊妞- ♀ (48 bytes) () 11/12/2009 postreply 17:18:09

• 回复：要不要refinance？ -寒晓- ♀ (144 bytes) () 11/12/2009 postreply 15:04:06

• 回复：要不要refinance？ -3和尚- ♂ (33 bytes) () 11/12/2009 postreply 15:11:59

• NO -ranch99- ♀ (0 bytes) () 11/12/2009 postreply 15:11:39

• why? -laoyangdelp- ♀ (0 bytes) () 11/12/2009 postreply 16:53:42

• This is entirely a personal choice, I wouldn't -sunskitehomes- ♂ (570 bytes) () 11/12/2009 postreply 17:00:35

• However, I'd do refi with even 5% 30year fix -sunskitehomes- ♂ (69 bytes) () 11/12/2009 postreply 17:01:38

• As a loan professional, I wouldn't suggest you that unless -Njloan- ♀ (939 bytes) () 11/12/2009 postreply 19:22:17

• Thanks for your professional analysis. -laoyangdelp- ♀ (33 bytes) () 11/12/2009 postreply 22:19:50

• what size of loan amount are we talking about here? -美西游子- ♀ (0 bytes) () 11/12/2009 postreply 21:43:33

• 加州国的专利: jumbo conforming -laoyangdelp- ♀ (0 bytes) () 11/12/2009 postreply 22:18:32

• I am doing it -pawpaw- ♀ (624 bytes) () 11/12/2009 postreply 21:56:00

• what is the logic, ARM for primary home while -五分店- ♀ (41 bytes) () 11/12/2009 postreply 22:20:01

• thanks for sharing your thoughts. -laoyangdelp- ♀ (158 bytes) () 11/12/2009 postreply 22:25:13

• Primary is easy to refin if you have job. Investment has differe -pawpaw- ♀ (0 bytes) () 11/13/2009 postreply 11:31:55

• Thanks everyone for your opinion -laoyangdelp- ♀ (337 bytes) () 11/13/2009 postreply 11:21:01