Not long ago, there was a guest on the phone. When you first speak with the loan company employee, said interest rates 4.75 percentage points, but when the time to apply for approval of a pleasant odor time to determine the interest rate to 5%. If you have a discount loan broker, said they did not scale. A few days before the date of termination of the escrow time is not applicable, there is no other way to make you have some complaints.
0.25% of the amount of 400,000 U.S. dollars loan interest rate wolpeyimeonteuui between the general public do not tend to think they are financial, but I think the other side. Wolpeyimeonteuneun 4.75% and 52.086 U.S. dollars to 2,147 U.S. dollars between about 61 U.S. dollars wolpeyimeonteuneun Mon%. In which interest payments from the current year 1,000 wongeum mixture of about 80 U.S. dollars per month more than than the different calculation methods. This is equivalent to 30 years, perhaps, until you can refinance or sell the house to pay more, if you think it is an act eokulhagi skamble.
You will see the damage, including the number of current calculation chonggeumaekeul Donna Jung do? In other words, on the loan amount 400 thousand U.S. dollars in 30 years, 5% and 4.75% of daehin wolpeyimeonteu credit workshops on current sense, ah different periods of total fixed rate? About 4000 U.S. dollars is enough. Interest on the loan between the retention wolpeyimeonteu, said the current point total (discount points) are known, these days 30-year fixed rate of 0.25% points, to about 1 degree (1% of loan amount) because of different rates.
Therefore, how can happen, there is no fundamental way to prevent it? The answer of course is. First, if the above is one half. In fact, a lie or a loan agent market interest rates. Sometimes, in order to attract tourists to the so-called low-bead is often one. Bowling is a low loans to keep the guests was the first reality show rakinyi hard to say that lower interest rates. Maybe if you go in the final start of the loan, the interest rate higher than promised, in most cases, are determined. Funny, some people apply for this loan is higher than at the end of the interest rate is to be taken for granted. In any case, these bad loans because the agency selected guests can see damage, it can be said agent-related risks.
Second, it is not an agent of the market interest rate can go without actually giving the status of an agent may have to take high interest rates, but can be said that the market risk. Market risks are best avoided. What is good, and not a minute match me? That is, everyone knows. But the unexpected happens, the interest rate of 0.25% per day no one can go. The housing loan is both the general public to face the only way to completely eliminate the risk. Select a proxy, but the interest rate on the loan application of the lock directly. Interest rates housing rakineun guests need only minimal information is at the same time apply for a loan. Rakineul interest rates may, as required, low hardware requirements or rakinyi Bowling, agent-related risks, so agents can be avoided. Loans during the time it takes more than one month’s market risk, interest rate fluctuations in the market can be avoided. More interest rate after the lock forced the referee lost the bill, if you want a child, and this will increase the exposure to these risks.
Tags: countermeasures, mortgage, risks