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How long will interest rates stay this low? (Refinance)
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Date: December 16th, 2013 11:17 PM Author: razzle-dazzle theatre cumskin Thinking about refinancing student loans to 2.75% + libor. Obviously would be awesome now, but afraid I'm gonna variable rate pwn'd. I've read a bunch of shit about rates staying stagnant for a couple years, but lets be realistic. Once they start moving, they've only got one way to go. (http://www.autoadmit.com/thread.php?thread_id=2444317&forum_id=2#24656776) |
Date: December 16th, 2013 11:30 PM Author: razzle-dazzle theatre cumskin (http://www.autoadmit.com/thread.php?thread_id=2444317&forum_id=2#24656866) |
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Date: December 16th, 2013 11:35 PM Author: big flesh hell keepsake machete thinking about the same thing. plan to have mine paid off in 3 years, and the interest accruing will obviously be front loaded as the balance shrinks so it won't be a huge deal if the rate spikes in year 3. makes the variable rate real tempting. but man if it shot up in 6 months and stayed there i'd be MAF (http://www.autoadmit.com/thread.php?thread_id=2444317&forum_id=2#24656898) |
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Date: December 16th, 2013 11:39 PM Author: razzle-dazzle theatre cumskin Basically my plan exactly. I'm gonna pwn these bitches hard for 3 years.
If rates start to jump, I can always refinance into a fixed rate... BUT, I'm worried about whether I'll pull the trigger fast enough and end up getting fucked with a higher rate locked in.
We're basically market timing bro... to the tune of hundreds of thousands of dollars. |
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Date: December 16th, 2013 11:54 PM Author: big flesh hell keepsake machete pretty much. man i fuckin hate loans. (http://www.autoadmit.com/thread.php?thread_id=2444317&forum_id=2#24657057) |
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Date: December 16th, 2013 11:55 PM Author: razzle-dazzle theatre cumskin Same. Hopefully, even if rates rise, the time spent destroying principle with low interest rates pays off. (http://www.autoadmit.com/thread.php?thread_id=2444317&forum_id=2#24657071) |
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Date: December 17th, 2013 12:24 AM Author: big flesh hell keepsake machete that's what i'm thinking. if rates rise later on, it's the equivalent of making extra payments early on and paying less toward the end - in the long run, i believe that would save payments if you're going balls out at the beginning (http://www.autoadmit.com/thread.php?thread_id=2444317&forum_id=2#24657283) |
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Date: December 16th, 2013 11:43 PM Author: razzle-dazzle theatre cumskin (http://www.autoadmit.com/thread.php?thread_id=2444317&forum_id=2#24656979) |
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Date: December 17th, 2013 12:04 AM Author: pungent cracking tanning salon dragon I have $65k remaining at 3.5%. Should I join this plan? (http://www.autoadmit.com/thread.php?thread_id=2444317&forum_id=2#24657140) |
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Date: February 20th, 2017 6:38 PM Author: Splenetic school fuck no, are you kidding me? (http://www.autoadmit.com/thread.php?thread_id=2444317&forum_id=2#32663712) |
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Date: December 17th, 2013 12:10 AM Author: laughsome mildly autistic toilet seat potus i want to know this too. looks like the fed might finally start easing off the easing. how long do we have to lock in a sweet rate? (http://www.autoadmit.com/thread.php?thread_id=2444317&forum_id=2#24657193) |
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Date: December 17th, 2013 12:14 AM Author: razzle-dazzle theatre cumskin The lowest fixed rates I've seen are 4.75-5.00%.
I'm talking about variable rates tied to the libor. |
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Date: February 20th, 2017 6:39 PM Author: Splenetic school seems crazy to think that rates won't raise sometime in the near future unless the economy goes straight into the dumpster (http://www.autoadmit.com/thread.php?thread_id=2444317&forum_id=2#32663714) |
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Date: February 20th, 2017 6:37 PM Author: sooty coiffed wrinkle state (http://www.autoadmit.com/thread.php?thread_id=2444317&forum_id=2#32663707) |
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Date: February 20th, 2017 6:48 PM Author: magical haunted graveyard Don't take on variable rate risk (http://www.autoadmit.com/thread.php?thread_id=2444317&forum_id=2#32663758) |
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Date: February 20th, 2017 7:17 PM Author: Ultramarine parlour doctorate Rates will never materially increase. Fed, state and local governments are too levered to handle higher rates. (http://www.autoadmit.com/thread.php?thread_id=2444317&forum_id=2#32663947) |