Examination of the refinancing of its empfänglichsten, radio television newspaper and Internet of loan on mortgage to Dwelling, which " for; announces; ; none cost" closes; developed mortgages. Now on the surface; he appears the money lender, who offers a refinancing choice, a stupidity decision closes, in order to pay your costs. But just now for Pleasures can by turn into; Sales exaggeration and the screws and the loans no locking costs. They know that what them nothing at l' Projection/lead can you to costs expensively on a long-term basis cost. Always exhibition of the broker of the l' maintenance; Spirit, by one in particular l' treated; Mortgage, s' it seems too well d' true nature is very probable it. The truth of the material is that the costs, those really a n' loan takers close; on no closing request of d' cost; a refinancing loan. The payment becomes in the form of d' sentences made; higher interest against the closing costs, over at l' to pay; Projection/lead and to one niedrigereren price which can be accepted. $250.000 loads specifies 30 per year can as example use itself. They take the real costs, for this loan close, old are $4000 years and l' Loan taker is qualified sentence of 6.125% equalness, by closing, around l' cost to pay; Projection/lead. The payment is $1.519.03 per month with resulted interest of $296.849.49 over the border of the loan principle and l' Interest in this option. " d' Option; none cost" closes; qualify for the same scenario the loans the output on same stage of the d' owner; a house 6,75%. The monthly payment, by one itself from principle and d' results in; Interest is $1.621.50 and $333.738.29 in interest, which resulted over the border of the loan. None accepted to cost refinancent l' d' end; Option really, l' Loan takers become of the $102,47 additional per month in the payment and $32 additional 888,80 in l' cost; Auxiliary interest over the l' border; Mortgage. Now this doesn' ; t resemble d' a NO-cost-situation for me. In connection with l' preceding example, the question, if of l' Loan takers the $4,000 costs of functioning want to close or not pay. The d' point; Equilibrium as one pays the closing costs and those the d' sentence accept; niedrigereres interest during 39 months (closing costs of $ 4,000, which was divided by $102.47 by saving of months), is. If the d' owner stay; a house plans with the new mortgage during 39 months, to the consequence will have l' substantial financial saving. D' a part, if l' Loan taker sees traveling forwards to sell itself or more refinancer 39 months ago ago can l' Option no closing costs the best d' to be kind; to go. Like you to see can do, can, this " ad hoc; The number refinancent costs" closes; really a d' owner; a house on at the ten thousand dollar in the course of the d' life; a Immobiliardarlehen costs. This d' border; Announcements in the disappointment and the refinancing would make good, watch out much, by them such creditor of fewer qu' would answer; to fewer qu' they completely before their closing costs of not are refinancing programs.