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Kodibochu
Kurra Bewarse
Username: Kodibochu

Post Number: 1920
Registered: 04-2019
Posted From: 171.159.64.10
Posted on Monday, March 09, 2020 - 8:46 am:   Insert Quote Edit Post Delete Post Print Post


Thedarkknight:

I would strongly suggest you to do math to find the breakeven & benefits in percentages by year




If you have that kind of discipline(investing on regular intervals and keep track of them) , it may work well. For my age, I focus on clearing all the loans as much as I can.
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Thedarkknight
Pilla Bewarse
Username: Thedarkknight

Post Number: 742
Registered: 07-2008
Posted From: 103.92.100.130
Posted on Sunday, March 08, 2020 - 1:56 pm:   Insert Quote Edit Post Delete Post Print Post


Gudivada04:

Ikkada 5 year rates 2.29% ki vachayi. Inka thagguddi next week antannaru




oh ok. Of course, he needs to consider interest rates difference in calculation . CLIPART--happy

BTW, How's Canada ?
I dont wear spects, only wear contact lens(&goggles sometimes). Only code lang that i know are > c,c++,java,c# & scrpt lang.
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Gudivada04
Bewarse Legend
Username: Gudivada04

Post Number: 43847
Registered: 09-2004
Posted From: 184.64.107.209
Posted on Saturday, March 07, 2020 - 11:27 am:   Insert Quote Edit Post Delete Post Print Post

Ikkada 5 year rates 2.29% ki vachayi. Inka thagguddi next week antannaru
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Thedarkknight
Pilla Bewarse
Username: Thedarkknight

Post Number: 741
Registered: 07-2008
Posted From: 49.248.235.199
Posted on Saturday, March 07, 2020 - 10:15 am:   Insert Quote Edit Post Delete Post Print Post


Kodibochu:




I would strongly suggest you to do math to find the breakeven & benefits in percentages by year , if u opt for longer term ( 20, 25, 30 ), and reinvesting the Emi difference. It would initially cut into interest part of the loan, but over a period of time u would be benefitted with faster principal payment with reinvested amount.
I dont wear spects, only wear contact lens(&goggles sometimes). Only code lang that i know are > c,c++,java,c# & scrpt lang.
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Musicfan
Bewarse Legend
Username: Musicfan

Post Number: 69935
Registered: 05-2004
Posted From: 66.117.193.162
Posted on Friday, February 28, 2020 - 11:07 am:   Insert Quote Edit Post Delete Post Print Post


Kodibochu:

Thatss a good rate especially 4 years ago ante..




edo lucky gaa kudirindi appudu, 3.0 undedi, sudden gaa taggite, maa mortgage vadu ventane chesesadu,
Sye Raa Audio Review
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Kodibochu
Kurra Bewarse
Username: Kodibochu

Post Number: 1881
Registered: 04-2019
Posted From: 171.161.162.11
Posted on Friday, February 28, 2020 - 10:42 am:   Insert Quote Edit Post Delete Post Print Post


Musicfan:

Maa house ki ide rate that I had refninanced 4 years ago.




Thatss a good rate especially 4 years ago ante..
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Kodibochu
Kurra Bewarse
Username: Kodibochu

Post Number: 1880
Registered: 04-2019
Posted From: 171.161.162.11
Posted on Friday, February 28, 2020 - 10:41 am:   Insert Quote Edit Post Delete Post Print Post


Ravanabrahma:

kummesav ga annai. inka ave rates unnaya




Ipppudu 3.1% vunnatlu vundi. Aa roju kudaa 2.875% or something vundi. Kaani, employee discount tho 2.75 ki lock chesaadu.
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Musicfan
Bewarse Legend
Username: Musicfan

Post Number: 69932
Registered: 05-2004
Posted From: 66.117.193.162
Posted on Friday, February 28, 2020 - 10:36 am:   Insert Quote Edit Post Delete Post Print Post


Kodibochu:

2.75% for 15 years Fixed through Bank of America. Closing on next Thursday. Rate locked on Feb 1st..




Ninna rates taggayi annaru, will it go further down??

Maa house ki ide rate that I had refninanced 4 years ago.
Sye Raa Audio Review
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Ravanabrahma
Celebrity Bewarse
Username: Ravanabrahma

Post Number: 26524
Registered: 06-2004
Posted From: 104.189.156.240
Posted on Friday, February 28, 2020 - 10:34 am:   Insert Quote Edit Post Delete Post Print Post


Kodibochu:

2.75% for 15 years Fixed through Bank of America. Closing on next Thursday. Rate locked on Feb 1st..




kummesav ga annai. inka ave rates unnaya
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Phani
Kurra Bewarse
Username: Phani

Post Number: 2815
Registered: 11-2013
Posted From: 70.183.2.201
Posted on Friday, February 28, 2020 - 9:38 am:   Insert Quote Edit Post Delete Post Print Post


Kodibochu:

PMI($120/- per month)




cool annay....

am paying $4000 for $550K loan 30 yr ROI is 4%

PMI $380..

ippudu check cheyali 15 yrs ki enthaki vasthundho.. inko 500 - 600 varaku okay
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Kodibochu
Kurra Bewarse
Username: Kodibochu

Post Number: 1874
Registered: 04-2019
Posted From: 171.161.162.11
Posted on Friday, February 28, 2020 - 9:25 am:   Insert Quote Edit Post Delete Post Print Post


Phani:

2600) with escrow balance annai ?




Yep. I have PMI($120/- per month) also included in that $2600/-
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Phani
Kurra Bewarse
Username: Phani

Post Number: 2814
Registered: 11-2013
Posted From: 70.183.2.201
Posted on Friday, February 28, 2020 - 9:07 am:   Insert Quote Edit Post Delete Post Print Post


Kodibochu:

Rendu compare chesi chudu(15 years vs 30 years).Okkoka saari pedha thedaa vundadu.

Nenu 2600/- kaduthunnaanu 30 years fixed tho(3.99%APR).Ippudu 15 years ki $500/- ye perigindi(because of 2.75% APR).




Chustha annai... idhi 2600) with escrow balance annai ?
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Kodibochu
Kurra Bewarse
Username: Kodibochu

Post Number: 1864
Registered: 04-2019
Posted From: 171.161.162.10
Posted on Thursday, February 27, 2020 - 3:07 pm:   Insert Quote Edit Post Delete Post Print Post


Phani:

ayithe naaku 15 yrs kastamemo...




Rendu compare chesi chudu(15 years vs 30 years).Okkoka saari pedha thedaa vundadu.

Nenu 2600/- kaduthunnaanu 30 years fixed tho(3.99%APR).Ippudu 15 years ki $500/- ye perigindi(because of 2.75% APR).
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Phani
Kurra Bewarse
Username: Phani

Post Number: 2813
Registered: 11-2013
Posted From: 70.183.2.201
Posted on Thursday, February 27, 2020 - 3:03 pm:   Insert Quote Edit Post Delete Post Print Post

MOVIEART--bemmi.sleep

ayithe naaku 15 yrs kastamemo... emi ekkuva ayipoddhi.. chudali, numbers vachaka..
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Kodibochu
Kurra Bewarse
Username: Kodibochu

Post Number: 1863
Registered: 04-2019
Posted From: 171.159.66.11
Posted on Thursday, February 27, 2020 - 2:55 pm:   Insert Quote Edit Post Delete Post Print Post


Phani:

entha emi vasthundhi annay...



$3100(approximately) for a loan of $365,000:
Including Escrows($5,000 property taxes and $1400/- Home owners insurance, $900/- yearly HOA)
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Phani
Kurra Bewarse
Username: Phani

Post Number: 2812
Registered: 11-2013
Posted From: 70.183.2.201
Posted on Thursday, February 27, 2020 - 2:47 pm:   Insert Quote Edit Post Delete Post Print Post

entha emi vasthundhi annay...

my loan officer also proceeding..

nenu kooda 15 yrs plan cheddham anukunna
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Kodibochu
Kurra Bewarse
Username: Kodibochu

Post Number: 1862
Registered: 04-2019
Posted From: 171.159.64.10
Posted on Thursday, February 27, 2020 - 2:39 pm:   Insert Quote Edit Post Delete Post Print Post

2.75% for 15 years Fixed through Bank of America. Closing on next Thursday. Rate locked on Feb 1st..

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