同意檸檬兄。請看為什麽要選A的理由。

來源: hhtt 2018-01-20 12:10:38 [] [博客] [舊帖] [給我悄悄話] 本文已被閱讀: 次 (782 bytes)
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Choose A option is for a fixed rate which you don't have to worry about the rate movement and your monthly payment is fixed.

HELOC rate is determined by US prime rate + a bank spread.  Today the prime is at 4.5% and HELOC is at around 5%.  To get you signing up for the HELOC, your bank give you a first year rate of 3.24%, but goes up to 5% after one year.  I am pretty sure that your HELOC rate will not be 5% next year this time.  It will be somewhere 5.5% or even 6%.  The reason being is that Feds is going through the rate normalization period by raising the interest rate and selling QE bonds.  All these activities will make the interest rate go up and so does your HELOC rate.  Good luck.

 

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那已經有HELOC並且用了的,怎麽辦? -archet- 給 archet 發送悄悄話 (0 bytes) () 01/20/2018 postreply 17:22:48

Find a way to change it to fixed rate. -hhtt- 給 hhtt 發送悄悄話 hhtt 的博客首頁 (144 bytes) () 01/20/2018 postreply 17:38:12

回複:同意檸檬兄。請看為什麽要選A的理由。 -mikejp- 給 mikejp 發送悄悄話 (553 bytes) () 01/20/2018 postreply 19:53:28

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