![Cov ntsiab lus luv nqi puas tsim nyog? Cov ntsiab lus luv nqi puas tsim nyog?](https://i.answers-finances.com/preview/personal-finance/13977064-are-discount-points-worth-it-j.webp)
Video: Cov ntsiab lus luv nqi puas tsim nyog?
![Video: Cov ntsiab lus luv nqi puas tsim nyog? Video: Cov ntsiab lus luv nqi puas tsim nyog?](https://i.ytimg.com/vi/Cs5fVN7p0c8/hqdefault.jpg)
2024 Tus sau: Adrian Farmer | [email protected]. Kawg hloov kho: 2023-12-16 00:53
Them nqi tsev cov ntsiab lus kom tau txais tus nqi qis dua ntawm kev qiv nyiaj yuav luag ib txwm yog qhov kev xav poob. Cov tswv tsev feem ntau tsis khaws lawv cov tsev qiv nyiaj ntev txaus los ua ntau dua li rov them cov nqi them ua ntej cov ntsiab lus . Ib qho taw tes yog 1% ntawm koj cov nyiaj qiv. Yog tias koj rho tawm $ 250, 000 nqi tsev, 1 point sib npaug $ 2, 500.
Hauv qhov no, nws puas zoo dua los them cov ntsiab lus rau tus nqi qis dua?
Cov qis tus tus nqi koj tuaj yeem ruaj ntseg ua ntej, qhov tsawg dua koj yuav xav rov qab them nyiaj rau yav tom ntej. Txawm tias koj them tsis muaj cov ntsiab lus , txhua zaus koj refinance, koj yuav raug nqi. Hauv ib qis - tus nqi ib puag ncig, them nyiaj cov ntsiab lus kom tau qhov tseeb tus nqi zoo tshaj ua rau siab. Koj yuav tsis xav rov qab qiv nyiaj dua.
Tom qab ntawd, lo lus nug yog, dab tsi yog qhov txiaj ntsig ntawm kev them nqi luv nqi raws li ib feem ntawm cov nqi kaw? Nyiaj txais cov ntsiab lus los yog cov ntsiab lus luv nqi ” tso cai rau koj them ntau hauv kaw cov nqi nyob rau hauv pauv rau tus nqi tsev qis dua. Qhov ntawd txhais tau tias koj yuav muaj qhov loj dua pem hauv ntej nqi , tab sis qis dua txhua hli kev them nyiaj tshaj lub neej ntawm koj cov nyiaj txais. Ib lub tsev qiv nyiaj taw tes feem ntau tus nqi 1% ntawm cov nyiaj qiv, thiab txo koj cov paj laum los ntawm 0.25%.
Ua li no, nws puas yog lub tswv yim zoo los yuav cov ntsiab lus ntawm lub tsev qiv nyiaj?
Yog koj yog muas ib lub tsev, koj tuaj yeem ua tau muas "qis" cov ntsiab lus kom txo koj cov paj laum - tab sis koj tuaj yeem siv cov nyiaj no los ua kom them nyiaj ntau dua. Cov qiv nyiaj feem ntau txo koj cov paj laum los ntawm ib feem peb ntawm ib feem pua taw tes rau txhua tus taw tes koj yuav , mus txog qhov txwv.
1 point txo koj cov paj laum ntau npaum li cas?
Ib qho nqi them 1 feem pua ntawm koj cov nqi tsev qiv nyiaj (lossis $1, 000 rau txhua tus $100, 000 ). Qhov tseem ceeb, koj them qee cov paj laum ua ntej hauv kev pauv rau tus nqi qis dua hauv lub neej ntawm koj cov nyiaj qiv.
Pom zoo:
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Them cov ntsiab lus qiv nyiaj kom tau txais tus nqi qis dua ntawm kev qiv nyiaj yuav luag txhua qhov kev xav poob. Cov tswv tsev feem ntau tsis khaws lawv cov tsev qiv nyiaj ntev txaus los ua ntau dua li rov qab them cov nqi them ua ntej. Ib qho taw tes yog 1% ntawm koj cov nyiaj qiv. Yog tias koj rho tawm $ 250,000 nqi tsev, 1 point sib npaug $ 2,500
Puas yog Army Good Conduct Medal tsim nyog cov ntsiab lus txhawb nqa?
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Army Good Conduct Medal (AGCM) Lub sijhawm ua haujlwm yog siv los txiav txim siab txog kev tsim nyog rau cov ntsiab lus txhawb nqa (kev txiav txim tawm lig tsis ua rau qhov kev hloov pauv hloov pauv). Cov khoom plig thiab kho kom zoo nkauj tau txais nyob rau hauv lwm yam US Uniformed Services tau txais tib lub ntsiab lus raws li cov khoom plig sib npaug / sib npaug ntawm Tub Rog
Dab tsi yog qhov txiaj ntsig ntawm kev them cov ntsiab lus luv nqi raws li ib feem ntawm cov nqi kaw?
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Cov ntsiab lus qiv nyiaj lossis "cov ntsiab lus luv nqi" tso cai rau koj them ntau dua hauv cov nqi kaw hauv kev pauv rau tus nqi qiv qis dua. Qhov ntawd txhais tau tias koj yuav muaj tus nqi them ua ntej loj dua, tab sis kev them nyiaj qis dua ib hlis dhau ntawm koj cov nyiaj qiv. Ib qho nyiaj qiv nyiaj feem ntau raug nqi 1% ntawm cov nyiaj qiv, thiab txo koj cov paj laum los ntawm 0.25%
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Cov ntsiab lus luv nqi yog cov nqi qiv nyiaj ib zaug kaw uas muab cov nqi qiv nyiaj qiv rau "qis" cov nqi tsev. IRS txiav txim siab cov ntsiab lus luv nqi kom them ua ntej cov paj laum, yog li cov ntsiab lus luv nqi tuaj yeem txiav se tawm
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Lub tsev txhab nyiaj yog ib qho kev qiv nyiaj uas cov cuab yeej lossis vaj tsev siv los ua cov khoom lag luam. Tus neeg qiv nyiaj nkag mus rau hauv kev pom zoo nrog tus qiv nyiaj (feem ntau yog ib lub txhab nyiaj) uas tus qiv txais nyiaj ua ntej tom qab ntawd them nyiaj dhau lub sijhawm teem mus txog thaum nws them rov qab rau tus qiv nyiaj tag nrho