讨论：mortgage cashback的利与弊

[xuxu]

如题

 

[TIFF]

需要看具体的数字，限定条件，etc...

 

[xuxu]

Generally speaking?

 

[TIFF]

Generally speaking, there is no free lunch. If you care more about minimizing the cost of mortgage, don't take cashback. If you need the money and have nowhere else to find cheaper ones, then this is an opportunity.

 

[Anakin]

羊毛出在羊身上。。。

 

[ForwardRetreat]

generally speaking, your rate would not be the lowest you could have got.

 

[fortget_it]

Don't take cashback mortgage unless you desperately need money to meet the minimum downpay requirement. You will have to pay back most of the "cashback" if you want to terminate it earlier.

 

[mybaby]

Don't take cashback mortgage unless you desperately need money to meet the minimum downpay requirement. You will have to pay back most of the "cashback" if you want to terminate it earlier.

不太懂什么意思，是要罚款吗？cashback本来不就是借银行的钱吗，要terminate不自然要把借出来的钱还掉吗？

 

[冷笑9声]

求问老闲咪咪哥： cashback的利息比较高，是不是能拿利息去抵税的人比较合适？估计cashback部分不计收入？

 

[大厨008]

求问老闲咪咪哥： cashback的利息比较高，是不是能拿利息去抵税的人比较合适？估计cashback部分不计收入？

正解，国家要提高利率，银行不想，也是一种曲线救国的方式，除去BACK的钱，可能利率比正常更低

 

[ccc]

想通了，多挣钱是正解。找兼职护士工作去啦。

 

[西西妈]

想通了，多挣钱是正解。找兼职护士工作去啦。

 

[dsss]

拿个计算器可以算算，cash 败可和不败可，到期之后，总共交多少利息，减去cash败可，还有剩多少本金，两下比较一下

不可一概而定