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汇总 | 关于买房、买家具、贷款和养信用

&NewLine;<p>别忘赶紧refinance!自住可2&period;75,投资房可3&period;125<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<&excl;--more-->&NewLine;&NewLine;&NewLine;&NewLine;<p><strong>【关于Refinance】<&sol;strong><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>在三月份疫情刚开始的时候我给大家分享过我家自住房的refinance情况。3月3日的时候文字推送分享过:<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>”我家目前是两套房子贷款,都是30年贷款。自住房购买时约&dollar;520k,房贷还剩约&dollar;390k&comma; 17年年底贷款的时候利率为3&period;375&percnt;;今天咨询了三个loan agent,现在可以做到3&period;125&percnt;。投资房购买时约&dollar;210k,房贷还剩约&dollar;160k,19年暑假贷款的时候利率为4&percnt;,投资房现在无法做到更好的rate。”<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>当时是第一次做refinance,急急忙忙就弄了自住房的,在三月底完成了refinance的手续:<a target&equals;"&lowbar;blank" href&equals;"http&colon;&sol;&sol;mp&period;weixin&period;qq&period;com&sol;s&quest;&lowbar;&lowbar;biz&equals;MzA5OTkzNjg4NQ&equals;&equals;&amp&semi;mid&equals;2650451653&amp&semi;idx&equals;1&amp&semi;sn&equals;5638e7757b09e6af3e361eb8b2346eb7&amp&semi;chksm&equals;88f4b1dfbf8338c91f6ac1b08942bc298b1a1186e2c91a35b6840e3ebca377a9f221192b5086&amp&semi;scene&equals;21&num;wechat&lowbar;redirect" rel&equals;"noreferrer noopener">分享 &vert; 疫情之下享受上门服务的贷款服务<&sol;a><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>后来利率经过小幅度上升又开始往下降了不少,我自己看的也是心痒痒的。但是refinance需要完成6个月以后才能再做。前段时间说refi的利率要加0&period;5了,有一些loan agent已经开始了,大部分是从12月1日开始(也就是在此日期前需要完成refinance)。我家自住房要满refi六个月了,于是赶紧又重新quote,并且连着另外一套投资房一起再次refinance了(上次投资房没有refinance成,利率不好)。以下数据仅供参考,都是30å¹´fixed<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<ul class&equals;"wp-block-list"><li>自住房,3&period;125&percnt; -&gt&semi;&nbsp&semi;2&period;75&percnt;,no closing cost<&sol;li><li>投资房,4&percnt;&nbsp&semi; -&gt&semi; 3&period;125&percnt; ,closing cost&nbsp&semi;&dollar;3200<&sol;li><&sol;ul>&NewLine;&NewLine;&NewLine;&NewLine;<p>投资房似乎没有办法做到no closing cost,自住房如果不是refinance,可以再低到2&period;4-2&period;6&percnt;左右。一般来说,预计持房越久,或者还贷时间越短(比如我家自住房三年,投资房一年),也划算。当然我也不是专家,主要就是咨询了下周围的朋友,以及用网上的计算器进行了下简单的计算,比如这样的https&colon;&sol;&sol;www&period;mortgagecalculator&period;org&sol;calculators&sol;should-i-refinance&period;php&num;top &nbsp&semi;<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>还有就是,我比较喜欢折腾&&num;8230&semi;哈哈!<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p><strong>【推送汇总】<&sol;strong><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>很多你们感兴趣的问题,其实我都有写过。老读者应该很熟悉啦。<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>这个是养信用的:<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<ul class&equals;"wp-block-list"><li><a href&equals;"http&colon;&sol;&sol;mp&period;weixin&period;qq&period;com&sol;s&quest;&lowbar;&lowbar;biz&equals;MzA5OTkzNjg4NQ&equals;&equals;&amp&semi;mid&equals;2650450097&amp&semi;idx&equals;1&amp&semi;sn&equals;2f023d9cf68bd71e6d7c8ea3aaab7c9d&amp&semi;chksm&equals;88f4b7abbf833ebdbd06f3f294a92e8c19d6b4eb5e70f4e3b09e5060949c95cd3b6165ae2275&amp&semi;scene&equals;21&num;wechat&lowbar;redirect" target&equals;"&lowbar;blank" rel&equals;"noreferrer noopener">提醒 &vert; 没事把不用的信用卡借记卡用一用<&sol;a><&sol;li><&sol;ul>&NewLine;&NewLine;&NewLine;&NewLine;<p>这个是买房的:<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<ul class&equals;"wp-block-list"><li><a href&equals;"http&colon;&sol;&sol;mp&period;weixin&period;qq&period;com&sol;s&quest;&lowbar;&lowbar;biz&equals;MzA5OTkzNjg4NQ&equals;&equals;&amp&semi;mid&equals;2650448085&amp&semi;idx&equals;1&amp&semi;sn&equals;e599d6a712e827917a8dbbc2343665dd&amp&semi;chksm&equals;88f4bfcfbf8336d9b80c870f5c3909d9b192fdcf9e0084842e7d692cad4ee320cbdec57fa2cf&amp&semi;scene&equals;21&num;wechat&lowbar;redirect" target&equals;"&lowbar;blank" rel&equals;"noreferrer noopener">美国买房分享(1)<&sol;a><&sol;li><li><a href&equals;"http&colon;&sol;&sol;mp&period;weixin&period;qq&period;com&sol;s&quest;&lowbar;&lowbar;biz&equals;MzA5OTkzNjg4NQ&equals;&equals;&amp&semi;mid&equals;2650448457&amp&semi;idx&equals;1&amp&semi;sn&equals;96601724acea56dc659a23b33374c27f&amp&semi;chksm&equals;88f4bd53bf8334450b883291c4b1d250c0257bd3650d07f3023f5fc1d01012846715a99aa473&amp&semi;scene&equals;21&num;wechat&lowbar;redirect" target&equals;"&lowbar;blank" rel&equals;"noreferrer noopener">美国买房分享(2)<&sol;a>&nbsp&semi;<&sol;li><li><a href&equals;"http&colon;&sol;&sol;mp&period;weixin&period;qq&period;com&sol;s&quest;&lowbar;&lowbar;biz&equals;MzA5OTkzNjg4NQ&equals;&equals;&amp&semi;mid&equals;2650448174&amp&semi;idx&equals;1&amp&semi;sn&equals;68fbcf6f03e8286df09ff7360579c065&amp&semi;chksm&equals;88f4be34bf83372246ea08223ddfcf55c8299b9ca7d1dee2973f5c0f179df85bffc880f33eda&amp&semi;scene&equals;21&num;wechat&lowbar;redirect" target&equals;"&lowbar;blank" rel&equals;"noreferrer noopener">湾区买(qiang)房经验<&sol;a><&sol;li><&sol;ul>&NewLine;&NewLine;&NewLine;&NewLine;<p>这个是卖房的:<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<ul class&equals;"wp-block-list"><li><a href&equals;"http&colon;&sol;&sol;mp&period;weixin&period;qq&period;com&sol;s&quest;&lowbar;&lowbar;biz&equals;MzA5OTkzNjg4NQ&equals;&equals;&amp&semi;mid&equals;2650448155&amp&semi;idx&equals;1&amp&semi;sn&equals;1fb29c3dc08e734bc11be03712145052&amp&semi;chksm&equals;88f4be01bf83371706111fe17a93c143ebd771c9352288b36a7e93df3f7628d624f46f78a33c&amp&semi;scene&equals;21&num;wechat&lowbar;redirect" target&equals;"&lowbar;blank" rel&equals;"noreferrer noopener">美国卖房小结<&sol;a><&sol;li><&sol;ul>&NewLine;&NewLine;&NewLine;&NewLine;<p>这个是跑到北卡去买家具的:<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<ul class&equals;"wp-block-list"><li><a href&equals;"http&colon;&sol;&sol;mp&period;weixin&period;qq&period;com&sol;s&quest;&lowbar;&lowbar;biz&equals;MzA5OTkzNjg4NQ&equals;&equals;&amp&semi;mid&equals;2650448296&amp&semi;idx&equals;1&amp&semi;sn&equals;487a6723679525ecf2c3bac35caa891a&amp&semi;chksm&equals;88f4beb2bf8337a45b0bd2181bbf8fa9d01f3dd8d77db02064583ff01063c739c37e599c0589&amp&semi;scene&equals;21&num;wechat&lowbar;redirect" target&equals;"&lowbar;blank" rel&equals;"noreferrer noopener">【分享】一枚,一万美金的羊毛<&sol;a><&sol;li><li><a href&equals;"http&colon;&sol;&sol;mp&period;weixin&period;qq&period;com&sol;s&quest;&lowbar;&lowbar;biz&equals;MzA5OTkzNjg4NQ&equals;&equals;&amp&semi;mid&equals;2650448690&amp&semi;idx&equals;1&amp&semi;sn&equals;4202740242e48e7c25f69dd72bae9d6b&amp&semi;chksm&equals;88f4bc28bf83353e8c8f92e7b2456c5f1e4f5028a3195f6ea942a506c1efccd487b3e631f41a&amp&semi;scene&equals;21&num;wechat&lowbar;redirect" target&equals;"&lowbar;blank" rel&equals;"noreferrer noopener">北卡家具城购买攻略<&sol;a><&sol;li><&sol;ul>&NewLine;&NewLine;&NewLine;&NewLine;<p>卡太多了话,可以用mint管理下:<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<ul class&equals;"wp-block-list"><li><a href&equals;"http&colon;&sol;&sol;mp&period;weixin&period;qq&period;com&sol;s&quest;&lowbar;&lowbar;biz&equals;MzA5OTkzNjg4NQ&equals;&equals;&amp&semi;mid&equals;2650448299&amp&semi;idx&equals;1&amp&semi;sn&equals;1b7d2a326da3b217e0ceb34f4accae51&amp&semi;chksm&equals;88f4beb1bf8337a7bc58354f5dbac8548fb0c1318049381bf37b4351478846c0074058e4f400&amp&semi;scene&equals;21&num;wechat&lowbar;redirect" target&equals;"&lowbar;blank" rel&equals;"noreferrer noopener">【好物推荐】使用mint管理各种信用卡和银行账户<&sol;a><&sol;li><&sol;ul>&NewLine;&NewLine;&NewLine;&NewLine;<p>可能有一些推送漏掉了,我自己也不太记得了&&num;8230&semi;及时更新目录是个好习惯,可是自己太忙&&num;8230&semi;大家凑合看看:)如果有什么没有写到的,可以在下面留言哦。问题比较多的话,我会再集中写一篇的。<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>周末愉快。<&sol;p>&NewLine;

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