交易百科

如何获得最佳的抵押贷款交易

美捷财智提供股票交易以及证券交易数据分析的平台,深入市场、细致分析,为您提供更为专业性的股票证券交易市场分析资讯内容。

要获得最佳的交易融资,需要比较和对比贷方
为房屋抵押贷款再融资的全部目的是为了省钱,所以请不要在桌上意外地浪费宝贵的钱!即使您有时看起来不知所措,也需要做一点点的尽职调查,以确保您能获得最好的交易。之前在虚线上签名,遵循专家建议通过几个简单的步骤,帮助您节省最多的钱可能你的再融资。


那里有大约一百万个贷方(银行,信用合作社,在线网站等),因此弄清楚首先要跟谁说话可能很令人头晕。与已经重新融资并有积极经验的朋友,同事和家人进行咨询,以获得可靠的建议。富国银行房屋抵押贷款市场经理托尼·加西亚(Tony Garcia)表示:“与客户进行大量交谈,找出一笔划算的交易对于客户来说非常重要。”


将借贷者的资金减少到一些认真的竞争者之后,就该去拜访他们了。只需将数字保持在可管理的数量即可。加西亚说:“就个人而言,我不会打电话给15家不同的放款人,因为这需要处理的信息很多。”他建议说三点引号是一个很好的起点,并且应该对预期和合理的情况有足够的了解。

比较和对比
您需要确保所提供的利率(IR)与当前利率保持一致,因此具有竞争力。诸如Bankrate或NerdWallet之类的网站将让您知道当前全国的抵押贷款利率是多少。但是请记住,实际提供的利率可能高于标准利率,这反映了您的个人信用评分,所承担的债务和其他因素。

尽管IR是一个不错的起点,但它只是一系列应考虑的重要数字中的第一个。加西亚说:“全面了解全部费用,而不仅仅是利率。” 他特别说要比较年度百分比(APR ),这是一种更准确的方法,可以了解refi将使您付出多少费用。这是因为APR是按年表形式表示的利率,加上与贷款过程相关的所有各种费用和成本。此类费用的示例包括交易费用,经纪人费用,产权费和评估费。大多数贷方都会在其网站上发布利率和实际年利率。例如,富国银行的网站显示30年期固定利率抵押贷款的利率为3.625%,实际年利率为3.75%。

同样,重要的是要意识到,取决于您打算在当前房屋中停留多长时间,再融资不一定值得。“为了使再融资变得有价值,请考虑关闭成本和收支平衡点(将花费您的时间来收回再融资成本所需的时间)将如何影响您的整体财务状况,”该公司高级副总裁兼产品管理主管Michelle McLellan解释说。美国银行通过电子邮件发送的房屋贷款。(例如,一笔3,000美元的关闭成本和每月再融资200美元,这意味着需要15个月的时间才能达到收支平衡。您需要在屋子里待更长的时间,才能让一次值得的refi值。)这样做可能会严重影响您的底线,导致客户感到不足。

选择你的人
对于某些人而言,与贷方建立长期关系与省钱同样重要。“这并不总是最便宜的,”加西亚说。“您正在寻找一种终生关系。”

只要其他人看到财务利益,他们就不会真正在乎这种关系。加西亚还指出,公司关闭后立即转移抵押贷款服务并不罕见。他说:“您的贷款有可能每12个月出售一次。” “一些更大的国有公司做的不那么多。这是要考虑的事情,因为它可能会或可能不会困扰您。”

在选择贷款人之前,请先确定几件事。您是否关心您的贷款是否被出售?您是否想方便地走进当地银行进行付款和/或与真正了解您贷款的人交谈?还是您可以在线转账,自动取款并与任何老代表谈谈?没有错误的答案;这一切都取决于个人喜好。

麦克莱伦(Mc克莱llan)还建议您在下线之前先研究一下现有银行是否提供奖励。例如,某些银行提供数千个信用卡积分,航空里程或其他特权(如果您向他们贷款)。她说:“利用与贷款人的关系,您已经在银行进行日常银行业务并参加奖励计划,因为贷款人为客户提供产品和服务的特殊折扣和激励措施。” 但是,由于奖励一直在变化,所以不要让它们成为您与之搭配的主要决策者。结算成本和利率更为重要。

在进行再融资之前,请勿申请新的信用卡或进行大笔购买。这些可能会影响您的信用评分,从而导致更高的利率和虚高的每月还款额。


美捷财智不仅提供股票交易以及证券交易数据分析的平台,深入市场、细致分析,为您提供更为专业性的股票证券交易市场分析资讯内容,而且拥有专业的市场行情分析团队,主要对证券、股票市场、投资市场进行数据分析,助您找到您的投资、创业之路。

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[ Log time: 1618124116.9317 ] [ Expend time: 0.0020139217376709 ] SELECT COUNT(*) AS `n` FROM `mt_posts_index` WHERE (((post_id IN (22,21,65,66,168,169,172,173,174,175,176,177,178,179,180,181,182,189,190,191,192,193,197,218,222,223,224,226,228,229,230,232,234,239,241,248,253,258,259,279,280,278,281,290,286,288,289,291,292,297,299,300,301,314,327,333,335,336,339,338,340,343,346,351,355,356,357,368,370,376,377,379,380,381,382,384,387,389,390,391,392,397,402,403,404,415,416,417,419,427,447,460,466,467,468,471,475,498,499,501,502,508,514,516,517,519,522,523,528,529,533,537,542,543,545,546,548,556,557,558,559,560,561,565,567,574,575,576,577,580,581,582,587,591,600,602,603,604,607,608,611,613,614,615,616,617,618,619,621,626,627,629,630,631,634,635,639,641,643,646,647,653,655,657,660,663,665,666,674,678,679,680,681,682,685,686,687,692,694,695,696,698,699,701,705,709,715,716,717,719,720,722,724,725,727,728,731,735,737,738,740,741,742,743,749,751,752,753,755,757,758,759,760,762,764,765,769,770,771,773,774,775,778,779,780,781,782,785,786,790,795,798,801,804,806,807,808,810,811,812,813,814,818,819,820,822,824,825,828,829,832,835,839,840,842,843,844,846,848,850,851,853,855,858,859,863,867,868,874,875,876,878,879,882,884,885,886,888,890,891,897,899,907,908,910,911,915,918,919,922,923,926,929,930,931,932,934,935,936,938,946,947,950,954,955,956,958,961,962,963,964,965,966,967,969,970,971,975,976,977,981,982,984,985,986,989,992,993,994,996,1000,1001,1002,1003,1004,1005,1006,1007,1008,1009,1012,1014,1015,1016,1017,1019,1020,1021,1022,1024,1025,1026,1027,1030,1031,1032,1033,1035,1036,1037,1039,1041,1042,1044,1046,1047,1048,1049,1051,1052,1053,1055,1056,1059,1060,1061,1065,1069,1071,1072,1074,1075,1078,1079,1082,1084,1085,1086,1087,1088,1094,1095,1098,1099,1102,1104,1106,1112,1115,1117,1124,1125,1126,1127,1128,1130,1131,1132,1134,1135,1141,1142,1143,1145,1147,1149,1150,1152,1153,1154,1155,1156,1158,1160,1162,1163,1164,1165,1167,1168,1169,1170,1171,1173,1174,1177,1180,1182,1184,1186,1188,1190,1191,1192,1194,1195,1196,1197,1198,1199,1200,1201,1202,1204,1205,1206,1207,1208,1210,1211,1212,1215,1216,1219,1220,1221,1223,1225,1231,1233,1234,1235,1238,1240,1241,1243,1244,1248,1249,1254,1255,1258,1259,1260,1262,1264,1265,1266,1267,1268,1269,1270,1272,1273,1274,1276,1277,1278,1279,1280,1281,1282,1285,1286,1287,1288,1290,1291,1293,1295,1296,1297,1300,1301,1304,1306,1307,1308,1309,1310,1311,1312,1313,1314,1317,1319,1321,1324,1325,1327,1328,1329,1334,1336,1341,1342,1343,139,162,274,282,285,295,307,317,324,371,479,485,1096,199,200,231,236,249,247,313,367,399,405,526,569,596,624,733,756,784,887,914,1263,261,283,262,315,396,408,418,450,504,510,590,645,676,707,745,792,821,830,948) AND post_type = 'article') OR (post_id IN (17) AND post_type = 'question')) AND is_recommend = 1 AND is_del = 0)

[ Log time: 1618124116.9448 ] [ Expend time: 0.0014829635620117 ] SELECT `mt_topic_relation`.* FROM `mt_topic_relation` WHERE (item_id IN(301,300,162,65) AND `type` = 'article')

[ Log time: 1618124116.9466 ] [ Expend time: 0.0013439655303955 ] SELECT `mt_topic`.* FROM `mt_topic` WHERE (topic_id IN(56,14,57,21,161,69,15,309,14,306,268,249,14,56))

[ Log time: 1618124116.9483 ] [ Expend time: 0.0012929439544678 ] SELECT `mt_article`.* FROM `mt_article` WHERE (is_del = 0 and id IN(301,300,162,65))

[ Log time: 1618124116.9505 ] [ Expend time: 0.0017800331115723 ] SELECT `mt_users`.* FROM `mt_users` WHERE (is_del = 0 and uid IN(30,29,4,26))

[ Log time: 1618124116.9519 ] [ Expend time: 0.001007080078125 ] SELECT `mt_users_attrib`.* FROM `mt_users_attrib` WHERE (uid IN(4,26,29,30))


Cache

[ Log time: 1618124116.7643 ] Backend: File

[ Log time: 1618124116.7652 ] [ Expend time: 0.000827 ] Get Cache: crond, result type: array

[ Log time: 1618124116.7657 ] [ Expend time: 0.000511 ] Get Cache: crond_timer_half_minute, result type: boolean

[ Log time: 1618124116.7667 ] [ Expend time: 0.000914 ] Get Cache: crond_timer_minute, result type: integer

[ Log time: 1618124116.7677 ] [ Expend time: 0.000912 ] Get Cache: crond_timer_five_minutes, result type: integer

[ Log time: 1618124116.7687 ] [ Expend time: 0.000938 ] Get Cache: crond_timer_ten_minutes, result type: integer

[ Log time: 1618124116.7698 ] [ Expend time: 0.001038 ] Get Cache: crond_timer_half_hour, result type: integer

[ Log time: 1618124116.7705 ] [ Expend time: 0.000693 ] Get Cache: crond_timer_hour, result type: integer

[ Log time: 1618124116.7713 ] [ Expend time: 0.000664 ] Get Cache: crond_timer_day, result type: integer

[ Log time: 1618124116.7903 ] [ Expend time: 0.000707 ] Get Cache: nav_menu_list, result type: array

[ Log time: 1618124116.8036 ] [ Expend time: 0.000826 ] Get Cache: user_group_99, result type: array

[ Log time: 1618124116.8516 ] [ Expend time: 0.000273 ] Get Cache: db_rows_cache_aef72b44408b728f922c0efdd93b72ba, result type: boolean

[ Log time: 1618124116.8598 ] [ Expend time: 0.000214 ] Get Cache: question_related_list_349492adbbe15f14a6ccf2d39e131e41_10, result type: boolean

[ Log time: 1618124116.886 ] [ Expend time: 0.003756 ] Save Cache: question_related_list_349492adbbe15f14a6ccf2d39e131e41_10, result type: boolean

[ Log time: 1618124116.8862 ] [ Expend time: 0.000141 ] Get Cache: update_views_article_a30811c9dec8f1ad2d13c637f9ee1a81_286, result type: boolean

[ Log time: 1618124116.8895 ] [ Expend time: 0.003241 ] Save Cache: update_views_article_a30811c9dec8f1ad2d13c637f9ee1a81_286, result type: integer

[ Log time: 1618124116.9257 ] [ Expend time: 0.000304 ] Get Cache: posts_list_by_topic_ids_2dba21617f0e6673c3ab14242d4c7fc7, result type: boolean

[ Log time: 1618124116.9293 ] [ Expend time: 0.000224 ] Get Cache: db_rows_cache_922962d846b720a7dc7ebe3858b1a8fe, result type: boolean

[ Log time: 1618124116.9353 ] [ Expend time: 0.003524 ] Save Cache: db_rows_cache_922962d846b720a7dc7ebe3858b1a8fe, result type: integer

[ Log time: 1618124116.9396 ] [ Expend time: 0.004165 ] Save Cache: posts_list_by_topic_ids_2dba21617f0e6673c3ab14242d4c7fc7, result type: array

[ Log time: 1618124116.9398 ] [ Expend time: 0.000145 ] Get Cache: posts_list_by_topic_ids_found_rows_3c78458c5a274a9bb321216f1e3fd751, result type: boolean

[ Log time: 1618124116.9426 ] [ Expend time: 0.002716 ] Save Cache: posts_list_by_topic_ids_found_rows_3c78458c5a274a9bb321216f1e3fd751, result type: integer


Crond

[ Log time: 1618124116.7667 ] Tag: minute, Last run time: 2021-04-11 14:54:17

[ Log time: 1618124116.7677 ] Tag: five_minutes, Last run time: 2021-04-11 14:51:34

[ Log time: 1618124116.7687 ] Tag: ten_minutes, Last run time: 2021-04-11 14:46:33

[ Log time: 1618124116.7698 ] Tag: half_hour, Last run time: 2021-04-11 14:48:54

[ Log time: 1618124116.7706 ] Tag: hour, Last run time: 2021-04-11 14:46:33

[ Log time: 1618124116.7713 ] Tag: day, Last run time: 2021-04-11 08:08:04


Escape time: 0.28574299812317, 50 queries, PHP Memory usage: 9111.484375 KB, Server time: 2021-04-11 14:55:16