| Author |
Message |
    
Bignole
Mudiripoyina Bewarse
Username: Bignole
Post Number: 20506
Registered: 03-2004
| | Posted on Wednesday, September 05, 2012 - 5:32 pm: |
|
Gudiwada:uppuleti kalpana
nuvvu dani secret admirer vi antaga monna press meet lo seppindhi
 Tmmirekkuvaithe Manchamekkali Kani Spot ki Raakudadhu Raa
|
Sasibabu
Yavvanam Kaatesina Bewarse
Username: Sasibabu
Post Number: 9638
Registered: 10-2010
| | Posted on Wednesday, September 05, 2012 - 4:45 pm: |
|
Gudiwada:uppuleti kalpana mee cassette ollaki phone chesi same to same chebuthandi anta
dhaani mamma gorri.... maa mike ramayya debbaki kindhaa paina posukuntaandhi ....muchata gaa moodo saari baalchi thannudhi adhi ee saaari |
Gudiwada
Yavvanam Kaatesina Bewarse
Username: Gudiwada
Post Number: 6113
Registered: 11-2004
| | Posted on Wednesday, September 05, 2012 - 4:18 pm: |
|
Sasibabu:2014 manadhe
uppuleti kalpana mee cassette ollaki phone chesi same to same chebuthandi anta  |
Sam
Kurra Bewarse
Username: Sam
Post Number: 4420
Registered: 03-2004
| | Posted on Wednesday, September 05, 2012 - 3:34 pm: |
|
Sachinfan:BTW FHA teeskunnara leka conventional loan aa?
ee builder gaadu 10K down program run chesthunnadhu atta set chesaaaa.. miagatha anthaa vaadi daya... pulte homes vaadidhe mortgage kudaa
Kubang:intha gandaragolam ga vundeti US lo loan yevvaram. ikkada maaku chaala simple. no tax breaks on interest, that's one of the reasons for simple math.
ento malli rate lock anta dhaaniki 125$ pay cheyyali antaa... |
Kubang
Kurra Bewarse
Username: Kubang
Post Number: 3304
Registered: 09-2011
| | Posted on Wednesday, September 05, 2012 - 3:17 pm: |
|
intha gandaragolam ga vundeti US lo loan yevvaram. ikkada maaku chaala simple. no tax breaks on interest, that's one of the reasons for simple math. |
Bignole
Mudiripoyina Bewarse
Username: Bignole
Post Number: 20490
Registered: 03-2004
| | Posted on Wednesday, September 05, 2012 - 3:16 pm: |
|
Sasibabu:.jenda paathengaa
Tmmirekkuvaithe Manchamekkali Kani Spot ki Raakudadhu Raa
|
Sachinfan
Celebrity Bewarse
Username: Sachinfan
Post Number: 33094
Registered: 10-2010
| | Posted on Wednesday, September 05, 2012 - 3:13 pm: |
|
Sasibabu:10% ..
asala conversation enti.. oodipothene donate cheyatam deniki?
ina em jendaa pathing oo ento le.. naku vere laaga anipinchindi akkada sigutation..
Signature... inka edi decide kaaledu
|
Sasibabu
Yavvanam Kaatesina Bewarse
Username: Sasibabu
Post Number: 9637
Registered: 10-2010
| | Posted on Wednesday, September 05, 2012 - 3:11 pm: |
|
Sachinfan:
10% ...ofcourse aa avasaram kanapadatledhu elaagoo...2014...jenda paathengaa |
Sachinfan
Celebrity Bewarse
Username: Sachinfan
Post Number: 33093
Registered: 10-2010
| | Posted on Wednesday, September 05, 2012 - 3:10 pm: |
|
Sasibabu:.2014 manadhe
20% salary TDP ki donate setta annav anta ga.. raakapothe..
Signature... inka edi decide kaaledu
|
Bignole
Mudiripoyina Bewarse
Username: Bignole
Post Number: 20489
Registered: 03-2004
| | Posted on Wednesday, September 05, 2012 - 3:08 pm: |
|
Sachinfan:
Tmmirekkuvaithe Manchamekkali Kani Spot ki Raakudadhu Raa
|
Sasibabu
Yavvanam Kaatesina Bewarse
Username: Sasibabu
Post Number: 9636
Registered: 10-2010
| | Posted on Wednesday, September 05, 2012 - 3:08 pm: |
|
Bignole:Vindia lo mana party faristhithi endi?
dheedeepyamaanam gaa veluguthondhi....2014 manadhe  |
Sachinfan
Celebrity Bewarse
Username: Sachinfan
Post Number: 33092
Registered: 10-2010
| | Posted on Wednesday, September 05, 2012 - 3:06 pm: |
|
Bignole:mana party
 
Signature... inka edi decide kaaledu
|
Bignole
Mudiripoyina Bewarse
Username: Bignole
Post Number: 20488
Registered: 03-2004
| | Posted on Wednesday, September 05, 2012 - 3:04 pm: |
|
Sasibabu:
Vindia lo mana party faristhithi endi?
Tmmirekkuvaithe Manchamekkali Kani Spot ki Raakudadhu Raa
|
Sachinfan
Celebrity Bewarse
Username: Sachinfan
Post Number: 33091
Registered: 10-2010
| | Posted on Wednesday, September 05, 2012 - 3:00 pm: |
|
Sasibabu:
Signature... inka edi decide kaaledu
|
Sasibabu
Yavvanam Kaatesina Bewarse
Username: Sasibabu
Post Number: 9629
Registered: 10-2010
| | Posted on Wednesday, September 05, 2012 - 2:55 pm: |
|
ee thed lo discussion lo participate sesina andhariki  |
Sam
Kurra Bewarse
Username: Sam
Post Number: 4419
Registered: 03-2004
| | Posted on Wednesday, September 05, 2012 - 2:52 pm: |
|
Sachinfan:#1 - 800 kattali all at once.
#2 - 4800(over 20 years) - 3000 credit = 1800(for 20 years)
(10 years lo ammeste 600$ benefit vuntadi)
#3 - 9600(over 20 years) - 5000 credit = 4600(for 20 years)
(10 years lo ammeste 200$ benefit vuntadi)
second dhi best anukuntunna..
ok got it... sare vaadithoti evening call set chesthaaa... |
Sachinfan
Celebrity Bewarse
Username: Sachinfan
Post Number: 33087
Registered: 10-2010
| | Posted on Wednesday, September 05, 2012 - 2:52 pm: |
|
BTW FHA teeskunnara leka conventional loan aa?
Signature... inka edi decide kaaledu
|
Sachinfan
Celebrity Bewarse
Username: Sachinfan
Post Number: 33086
Registered: 10-2010
| | Posted on Wednesday, September 05, 2012 - 2:50 pm: |
|
#1 - 800 kattali all at once.
#2 - 4800(over 20 years) - 3000 credit = 1800(for 20 years)
(10 years lo ammeste 600$ benefit vuntadi)
#3 - 9600(over 20 years) - 5000 credit = 4600(for 20 years)
(10 years lo ammeste 200$ benefit vuntadi)
second dhi best anukuntunna..
Signature... inka edi decide kaaledu
|
Sam
Kurra Bewarse
Username: Sam
Post Number: 4418
Registered: 03-2004
| | Posted on Wednesday, September 05, 2012 - 2:44 pm: |
|
Sachinfan:selling apudu difference ante.. okate annai 30 years fixed teeskuna you will never live in that house for more than 10 years.. nduku ante first main reason, after 10 years manam interst takkuva principle ekkuva kadathaam kabatti tax returns tagguthaai..
30 year fixed lo advantage endi ante 10-15 years lo epudu market perigithe appudu ammeskovochu..
where as 5 year ARM lo you have to sell it within 7 years to avoid high interest rates..
ippudu inka peekala meedhaki vachindhi.. next week disclosure sign cheyyali October 5th closing.. edokati decision cheyyali...
20yrs fixed kaayam chesukuntaaa.. aaa three options lo ee option better?? |
Sam
Kurra Bewarse
Username: Sam
Post Number: 4417
Registered: 03-2004
| | Posted on Wednesday, September 05, 2012 - 2:42 pm: |
|
Bignole:Ayina meekenti mama. meere atta ante mememi anukovali? Kodi gallu sepparu
annai kodi gallu cheppevi kuda nammithe... srimannarayana super hit / adhinayakudu industry hit avvali... nuvvu kuda endhi annai... |
Bignole
Mudiripoyina Bewarse
Username: Bignole
Post Number: 20477
Registered: 03-2004
| | Posted on Wednesday, September 05, 2012 - 2:39 pm: |
|
Sam:
Ayina meekenti mama. meere atta ante mememi anukovali? Kodi gallu sepparu 
Tmmirekkuvaithe Manchamekkali Kani Spot ki Raakudadhu Raa
|
Sachinfan
Celebrity Bewarse
Username: Sachinfan
Post Number: 33085
Registered: 10-2010
| | Posted on Wednesday, September 05, 2012 - 2:39 pm: |
|
Sam:5yrs ki 30yrs ki selling appudu emina difference vuntundhaa
selling apudu difference ante.. okate annai 30 years fixed teeskuna you will never live in that house for more than 10 years.. nduku ante first main reason, after 10 years manam interst takkuva principle ekkuva kadathaam kabatti tax returns tagguthaai..
30 year fixed lo advantage endi ante 10-15 years lo epudu market perigithe appudu ammeskovochu..
where as 5 year ARM lo you have to sell it within 7 years to avoid high interest rates..
Signature... inka edi decide kaaledu
|
Bignole
Mudiripoyina Bewarse
Username: Bignole
Post Number: 20476
Registered: 03-2004
| | Posted on Wednesday, September 05, 2012 - 2:38 pm: |
|
Sam:
selling appudu enduku vuntadhi?
5 yrs ayithe appatiki refinance sesetappudu Intrest rates high ga vundochu anthakante bokka kanapadatla mari
Tmmirekkuvaithe Manchamekkali Kani Spot ki Raakudadhu Raa
|
Sachinfan
Celebrity Bewarse
Username: Sachinfan
Post Number: 33084
Registered: 10-2010
| | Posted on Wednesday, September 05, 2012 - 2:37 pm: |
|
Sam:annai calculation lo missing point enti ante... ippudu 300 PMI kaakunda aa remaining 16.5% meedha ante 57500 meedha kuda monthly interest pay cheyyali kadaaa.. adhi approx 100-125 vuntundhemo kadaaa..
yeah avunu annai adi marchipoya nenu.. that will be around $150 per month which is again tax claimable..
total for 9 years will be around $10000-12000 since it is getting paid off every month..
Signature... inka edi decide kaaledu
|
Farex
Mudiripoyina Bewarse
Username: Farex
Post Number: 12772
Registered: 10-2010
| | Posted on Wednesday, September 05, 2012 - 2:37 pm: |
|
Pokiri1:maa boti sagatu manushu lanu alochinchi cheppu baaaava.
egaathaaali 
Jagamanthati Kutumbham Nadhi
|
Sam
Kurra Bewarse
Username: Sam
Post Number: 4416
Registered: 03-2004
| | Posted on Wednesday, September 05, 2012 - 2:35 pm: |
|
Bignole:5 ella lo illu maripovachu, India vellochu anukunte 51/2 arm teesuko. nenu 30 yrs teesukuni erri pushpam pani sesaa
maama koncham elaborate cheyyi.. issue ekkada.. 5yrs ki 30yrs ki selling appudu emina difference vuntundhaa |
Sachinfan
Celebrity Bewarse
Username: Sachinfan
Post Number: 33083
Registered: 10-2010
| | Posted on Wednesday, September 05, 2012 - 2:33 pm: |
|
Sam:30yrs term 5/5 arm (revised every 5yrs) ki 2.5Ki istha antunnadu... otherwise 20yr/ 30yr fixed based on close costs 3.25 to 3.5 varaku vundhi...
every five year revision lo maximum increment percentage entho kanukkondi.. but to be frank .75% diff lo pedda gain chesedi emi vundadhu kabatti fixed ee better anukuntunna.. kani numbers petti chudandi clear idea vostadi
Sam:30yr ki 20yr ki monthly payment 300 ye difference kabatti pinning down to 20yr fixed..
300$ differnce takkuvee kani tax returns lo enta teda vostando calculate cheskondi.. 20year fixed ki tax benefit takkuva vuntadi so adi kuda consider cheskovali
Sam:scenrios available for me
#1. 20yrs fixed 3.257% closing cost 800 varaku pay cheyyali
#2. 20yrs fixed 3.37% closing cost lender manaki credit 3000 varaku isthunnadu - installment is 20$ extra per month than #1
#3. 20yrs fixed 3.5% closing cost lender manaki credit 5k isthunnadu -- installment is 20$ extra per month than #2
ippudu edhi beneficial?
eetini koddiga number crunching cheyali.. oo 10 min lo septa..
Signature... inka edi decide kaaledu
|
Sam
Kurra Bewarse
Username: Sam
Post Number: 4415
Registered: 03-2004
| | Posted on Wednesday, September 05, 2012 - 2:30 pm: |
|
Sachinfan:volatile market lo housing meeda equity build chesi money gamble chese badulu FD lo petti happy ga nidra povochu ani conclude chesi nenu FHA teeskunna..
annai calculation lo missing point enti ante... ippudu 300 PMI kaakunda aa remaining 16.5% meedha ante 57500 meedha kuda monthly interest pay cheyyali kadaaa.. adhi approx 100-125 vuntundhemo kadaaa.. |
Sachinfan
Celebrity Bewarse
Username: Sachinfan
Post Number: 33082
Registered: 10-2010
| | Posted on Wednesday, September 05, 2012 - 2:29 pm: |
|
Bignole:5 ella lo illu maripovachu, India vellochu anukunte 51/2 arm teesuko. nenu 30 yrs teesukuni erri pushpam pani sesaa
kinda mention chesina interst rates ki ARM teeksunte peda use emi vundadhu kada.. paiga for any reason illu maaralekapothe interest rates vaasipotai tarvata..
Signature... inka edi decide kaaledu
|
Bignole
Mudiripoyina Bewarse
Username: Bignole
Post Number: 20475
Registered: 03-2004
| | Posted on Wednesday, September 05, 2012 - 2:26 pm: |
|
5 ella lo illu maripovachu, India vellochu anukunte 51/2 arm teesuko. nenu 30 yrs teesukuni erri pushpam pani sesaa
Tmmirekkuvaithe Manchamekkali Kani Spot ki Raakudadhu Raa
|
Sam
Kurra Bewarse
Username: Sam
Post Number: 4414
Registered: 03-2004
| | Posted on Wednesday, September 05, 2012 - 2:24 pm: |
|
Sachinfan:Sachinfan
okay... naaku 15yrs ante monthly payment maree 2K dhaati pothundhi...so 20yrs ...
30yrs term 5/5 arm (revised every 5yrs) ki 2.5Ki istha antunnadu... otherwise 20yr/ 30yr fixed based on close costs 3.25 to 3.5 varaku vundhi...
30yr ki 20yr ki monthly payment 300 ye difference kabatti pinning down to 20yr fixed..
scenrios available for me
#1. 20yrs fixed 3.257% closing cost 800 varaku pay cheyyali
#2. 20yrs fixed 3.37% closing cost lender manaki credit 3000 varaku isthunnadu - installment is 20$ extra per month than #1
#3. 20yrs fixed 3.5% closing cost lender manaki credit 5k isthunnadu -- installment is 20$ extra per month than #2
ippudu edhi beneficial? |
Sachinfan
Celebrity Bewarse
Username: Sachinfan
Post Number: 33081
Registered: 10-2010
| | Posted on Wednesday, September 05, 2012 - 2:24 pm: |
|
PMI meeda oo chinna calculation enti ante..
Assuming your Adjusted gross is more than 110k where PMI is not tax deductible,
for suppose 350k petti oo house konte 20% down kattali ante you have to pool in $70,000
ala kaakunda 3.5% down kadithe you will pay 12500 as downpayment.
ipudu monthly 300$ PMI kaduthunnam along with principle and interest and oka 9 years ki 20% quity build chestam..
so 9 years paatu monthly 300 lekkana PMI kadataam.. which is around $32400.
at the same time downpayment lo manam migilchina amount $57500 mana chethi lo vuntai kabatti ee 9 years aa money ni india lo FD vesina sare you can double the money with current interst rates..
so end of 9 years you will have 57500+57500=115000 solid cash in your hand. ee 9 year duration lo kattina PMI ni deduct cheskunna me daggara 82600 solid cash vuntai.. along with 20% equity on your house.
so final ga housing market padipoi mana equity 0 ipoina sare manaki 82600 cash in hand vuntai and ee loss ina money antha kuda intiki rent kattamu anukuni kallu mooskovochu..
ultimately it is just like paying interest to your 57600 as PMI to the bank with interest rate of >1%.
antha takkuva interst ki for any purpose ee bank vaadu kuda ivvadu kabatti idi better idea ani naa peeling.
volatile market lo housing meeda equity build chesi money gamble chese badulu FD lo petti happy ga nidra povochu ani conclude chesi nenu FHA teeskunna..
all this info came from 2 months of extensive research. past trends ni nenu asala analyse cheyaledu..
so experts evaranna vochi emanna tappulu vunte correct cheyundri..
Signature... inka edi decide kaaledu
|
Pokiri1
Mudiripoyina Bewarse
Username: Pokiri1
Post Number: 20006
Registered: 03-2006
| | Posted on Wednesday, September 05, 2012 - 2:14 pm: |
|
Farex:ala ayithe 30 yrs ki ekkuva interest kaduthav mama.
Bavaaaaaaaa andaru nee lekka kuberulu, zamindarulu,shavukarulu kaadu kada. konchem maa boti sagatu manushu lanu alochinchi cheppu baaaava. nuvvu ante oka gold ituka ichhesavu ante nee loan ayyipotundi.
Imagination is more Important than Knowledge
|
Sachinfan
Celebrity Bewarse
Username: Sachinfan
Post Number: 33080
Registered: 10-2010
| | Posted on Wednesday, September 05, 2012 - 2:11 pm: |
|
tarvata decide cheskovalsindi.. FHA loan/Conventional loan
FHA - First time home buyers advantage anukunta.. denilo 3.5% min downpayment cheyali inti meeda migatha value mottaniki loan istaadu..
denilo catch enti ante.. PMI(primary mortgage insurance) kattali every month until u reach the 20% equity on your house..350k house ki every month 300 around vostandi ee PMI. this is not tax deductible if your adjusted gross income of your family is more than 110k. 110k kanna takkuva vune PMI amount kuda interest tho kalipi tax returns claim cheskovochu
Signature... inka edi decide kaaledu
|
Sachinfan
Celebrity Bewarse
Username: Sachinfan
Post Number: 33079
Registered: 10-2010
| | Posted on Wednesday, September 05, 2012 - 2:03 pm: |
|
sam annai.. detailed ga naaku telisina nenu follow ina format chebutha inkondi..
first thing to decide is ARM vs FIXED
tarvata ARM lo 3/5/7/10/15 years lo edi teeskovali anedi.. depending on the loan type konni ARMs andariki available vundavu..
ARM lo advantage entante less interest rates compared to Fixed. suppose 7 year ARM teeskunte 2.75 istunnadu around. this interest rate if fixed for 7 years and aa tarvata market lo aa roju interest rates ni batti every year revise chestadu.. good thing enti ante max of 1% per year kanna ekkuva penchataniki ledu..
so 7 year ARM teeskunte interest rates perigipothe after 3 years ante 7+3 10 years ki FIXED interst payment ki break even avtaamu..
so the advice here is 10 years lopu ammeskune plan vunte you end up paying less interest than FIXED plan..
Disadvantage in ARM enti ante tax benefits takkuva vuntai since you are paying less interests every year.
iyala market ni chuste ARM ki fixed ki .75 -1% diff vundi.. so ARM kanna fixed ee better ani na feeling.. since you are not gaining anything with that very low margins.
alage fixed lo 15/30 years lo edi teeskovali anedi septa..
FIXED lo ite straight forward scenario.. interest rates 3.75% vuntadi.. through out the term adi fixed ee vuntadi.. 30 years ite equity slow ga build avtadi tax benefits ekkuva vuntai..
15 years ite equity fast ga peruguthadi taxes takkuva tho bayata padatham and hence tax benefits takkuva vuntai..
mana daridram pandi housing padipothe equity mottam bokka padatadhi..
housing baaga perigithe manchi income yield chestadi..
Signature... inka edi decide kaaledu
|
Farex
Mudiripoyina Bewarse
Username: Farex
Post Number: 12769
Registered: 10-2010
| | Posted on Wednesday, September 05, 2012 - 1:30 pm: |
|
Sam: tax benefits
what ever the interest you pay for the mortgage, can be deducted from your taxable income while filing your annaul taxes,,,,ala ayithe 30 yrs ki ekkuva interest kaduthav mama.
Jagamanthati Kutumbham Nadhi
|
Sam
Kurra Bewarse
Username: Sam
Post Number: 4413
Registered: 03-2004
| | Posted on Wednesday, September 05, 2012 - 1:26 pm: |
|
only equity building okkare factor aaa leak tax benefits etc ki kuda edho linking vundhi ardhamayyi ardham kakunda article raasaru google vodini adigithe evevo choopinchaadu... |
Farex
Mudiripoyina Bewarse
Username: Farex
Post Number: 12768
Registered: 10-2010
| | Posted on Wednesday, September 05, 2012 - 1:15 pm: |
|
ikkade undham anukunte aaa bharuvu thagginchukunte better emo ani feeling. inka market fluctuations antava avi effud undeveee. present market lo recent six months lo entire US la baagane parigai illa rates. election ayye daaka untundhi emo idhi,,,,tharvatha thelidhu antunnar experts.
Jagamanthati Kutumbham Nadhi
|
Sachinfan
Celebrity Bewarse
Username: Sachinfan
Post Number: 33076
Registered: 10-2010
| | Posted on Wednesday, September 05, 2012 - 1:13 pm: |
|
Inti meeda equity build cheskotam reliable kaadu ee vulnerable market lo ani naa peeling
Signature... inka edi decide kaaledu
|
Farex
Mudiripoyina Bewarse
Username: Farex
Post Number: 12767
Registered: 10-2010
| | Posted on Wednesday, September 05, 2012 - 1:04 pm: |
|
depends on our capability and planning to stay in Omlika baaa.
15yrs fixed ayithe low intrest tho twaraga equity build chesukovachu instead of 30 yrs fixed. ledhu, rent ki equal ga saripedudham ante, 30 yrs fixed teesukovachu.
mana personal criteria ni batte loan select chesukovachu,,,,,,,ikkadee undali, equity build cheddam inti midha ante,,,better go for 15 yrs fixed. interest rates kooda chaala low lo unnai kadha iffud.
Jagamanthati Kutumbham Nadhi
|
Sam
Kurra Bewarse
Username: Sam
Post Number: 4412
Registered: 03-2004
| | Posted on Wednesday, September 05, 2012 - 12:56 pm: |
|
koncham salaha ivvandi ee option better oooo
30yrs fixed or 20yrs fixed aaa leka arm theesukunte better aaa 30yrs fixed approx 3.5 vunte 5yr arm ayithe 2.5% vundhi...
decision factor enti ikkada... |
Archives - 2012