１５-year or ３０-year loan for a rental house？

在选loan。假设利率(apr) :
１５year ３.８％， cashflow= ＄０
３０year ４.７％, cashflow= ＄３００（不花，存银行。）

Thanks!

所有跟帖： 

• 我会选30年，每个人的目标不同，决定会不同。 -瞎问瞎说- ♂ (0 bytes) () 07/24/2013 postreply 14:01:44

• Thanks. -big-guy- ♂ (33 bytes) () 07/24/2013 postreply 14:19:52

• 多出的3百还本金好了，经济困难时也不吃紧！ -MrsKwok- ♀ (0 bytes) () 07/24/2013 postreply 14:17:03

• 多出的3百还本金 will take more than 15 years -big-guy- ♂ (51 bytes) () 07/24/2013 postreply 14:21:16

• 没想继续投资的话短期的好了。。。 -MrsKwok- ♀ (0 bytes) () 07/24/2013 postreply 14:22:29

• Sure. -big-guy- ♂ (52 bytes) () 07/24/2013 postreply 14:24:41

• 15年或30年的还款数也是算在贷款承受评估之内的（debt to income ratio),可 -MrsKwok- ♀ (147 bytes) () 07/24/2013 postreply 14:32:52

• you make sence! I really appeciate it -big-guy- ♂ (0 bytes) () 07/24/2013 postreply 14:49:00

• 15yr if you don't need the money. -我是大海- ♀ (0 bytes) () 07/24/2013 postreply 14:20:21

• Maybe go this way. -big-guy- ♂ (13 bytes) () 07/24/2013 postreply 14:22:02

• also don't buy any points because none wants to hold the propert -我是大海- ♀ (0 bytes) () 07/24/2013 postreply 14:25:12

• hard to know its good to buy point or not. -big-guy- ♂ (0 bytes) () 07/24/2013 postreply 14:32:25

• easy to know. if you only hold the property for 1 year, you thro -我是大海- ♀ (0 bytes) () 07/24/2013 postreply 14:52:01

• I would hold it for 15 yrs, then sell it for cash. -big-guy- ♂ (0 bytes) () 07/24/2013 postreply 14:54:58

• If you don't need the $300 income, of course 15 years; why pay t -小竹妈- ♀ (0 bytes) () 07/24/2013 postreply 14:40:53

• yeah, I think so. -big-guy- ♂ (0 bytes) () 07/24/2013 postreply 14:45:13

• 我会选 ３０-year -vlzzy- ♂ (43 bytes) () 07/24/2013 postreply 15:16:07

• 我会选30年。 -Beaujolais- ♀ (207 bytes) () 07/24/2013 postreply 15:20:52

• 不差钱，15年。 -abc1967- ♀ (0 bytes) () 07/24/2013 postreply 15:20:52

• 我的自住选了15年，投资房一律选30年，因为自住房很容易套钱出来，且利率低。 -SunshineInCA- ♀ (28 bytes) () 07/24/2013 postreply 15:24:41

• sounds good, but it is wrong -njrookie- ♂ (368 bytes) () 07/24/2013 postreply 15:29:50

• 谢谢，是根据自己的投资目的来考虑的。自住房的heloc是风险基金或临时投资资金，想尽早还完它。 -SunshineInCA- ♀ (0 bytes) () 07/24/2013 postreply 15:41:03

• Sunshine is right: business is business; home is home -njrookie- ♂ (58 bytes) () 07/24/2013 postreply 19:41:49

• 5/1 @ 4% - the best of both worlds -njrookie- ♂ (48 bytes) () 07/24/2013 postreply 15:26:01

• 303030303030303030303030 -three- ♂ (134 bytes) () 07/24/2013 postreply 16:42:47

• 回复：１５-year or ３０-year loan for a rental house？ -随其自然- ♀ (447 bytes) () 07/24/2013 postreply 17:42:47

• we are in a 30-year bull mkt for bond -njrookie- ♂ (818 bytes) () 07/24/2013 postreply 19:49:23