Mortgage Refinancing at a Lower Interest Rate抵押贷款利率处于较低

Mortgage Telemarketing--A Personal Story按揭269--个人故事
by José Olivares由何塞olivares

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Scott, first I would like to thank you for all the good advice you have given me through your NEWSLETTER.斯科特,我想先谢谢你的一切好的意见,给我你的通讯. In response to your question about our (readers) experience with telemarketers, I would like to share an experience that happened to me recently.针对你的问题对我们(读者)的电话销售经验,我想分享一个我最近发生.

I, like many others out there, am looking to refinance my first mortgage at a lower rate than what I currently have.我和许多人一样到处从我第一次感到转按揭利率处于较低比我目前已. In my case, the loan is approximately $120,000 at 7.25% and also a second mortgage (home-equity loan) of $10,000 that I have at 12.25%.在我身上大约在12万元贷款7.25%,也是第二按揭(在家股本贷款)10,00012.25%时,我. I decided to call a financial institution after receiving one of those infamous "you have been pre-approved" offers.我决定金融机构在接到一个电话那些臭名昭著的"你已预先核准"的引诱.

I spoke with a lady, who was very friendly, and she asked me if I could read the confirmation number on the right-hand side at the top of the letter.我曾与一位女士,他们很友好,她问我是否能够看到一些关于确认右侧山顶上的文字. I gave it to her and she asked for some other information including my Social Security number.我给她,她问我一些其他信息包括社会保障号码.

I explained that I would be interested in refinancing with her company if they can beat the rates on my current loans.我解释说,我是她的兴趣,再融资公司如果能击败我这次贷款利率. She said she would call me back with an answer.她说她会叫我回来一个理由.

About an hour later, she calls and tells me she has "good news" for me.约一小时后,她来电告诉我,她的"好消息"似的. They can combine both loans at a great APR of 9.48%.他们可以把两种贷款的伟大四月9.48%. Stunned by what this lady is telling me I paused and asked her to explain how exactly it was that she was coming up with this GREAT deal since I was paying 7.25%.震惊告诉我这是我夫人顿了一下,要求她解释说,她刚好有人想出这种因为我付出很大7.25%.

Her answer was, "But Mr. Olivares you are paying 12.25% on the other one and you will be saving about $20.00 per month."她的回答是,"但盖olivares你付出的12.25%,而你一会每月节省约20.00" At this time I told her to hold on while I started the DebtSmart Loan Calculator.这时我告诉她,我就开始举办debtsmart贷款计算器. I told her, and I quote, "How silly her offer sounded."我告诉她,我引用"傻她如何提供音" I used the 30-year loan calculator, which I got from Scott, and told her that, yes she was saving me about $20.00 per month on the $10,000 loan.我用了30年的贷款计算器,我从斯科特,告诉她,她是挽救我不错,每月约20.00万元的贷款. However, she is increasing the amount on the $120,000 loan by about $200.00 per month, and I asked her how it was that this was making any sense for her!不过,她是增加贷款金额在12万元左右元200.00元我问她怎么样,这是对她作出任何意义!

Her answer was that I could not "separate the two loans" the way I was doing it.她的回答是,我不能"两分开贷款"我的想法是这样的. At this time I knew there were only two possibilities: (1) this lady is not educated enough to have her current job or, the more likely case, (2) she's trying to gouge me by doing some "fuzzy math."这时我才知道有两种可能性:(1)本夫人已不是她目前在职学历不够,或者更可能的情况下,(2)她对我做了一些尝试泥"模糊数学"

By the way, she was amortizing the loans for 30 years.由程,她30年摊还贷款. Just like the original loan without taking into account that my second loan is amortized for only 20 years就像原来没有考虑到贷款的贷款是我的第二只20年摊销

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