20% vs less down payment

[sage]

for $ 680K -I have cash to pay 20 % down - but thinking of putting 5 % down and remaining thinking of putting in 15 %( around 100K)

in stocks( apple, Microsoft)- they have been giving minimum of 25 % on avg every year for past 5 years.

What is your opinion, is it good idea to put less or put 20% 

 

[csrcsr]

5 minutes ago, sage said:

for $ 680K -I have cash to pay 20 % down - but thinking of putting 5 % down and remaining thinking of putting in 15 %( around 100K)

in stocks( apple, Microsoft)- they have been giving minimum of 25 % on avg every year for past 5 years.

What is your opinion, is it good idea to put less or put 20% 

 

Pmi, mortgage insurance gatra monthly payments ekva ayitadi

[Netflixmovieguz]

9 minutes ago, sage said:

for $ 680K -I have cash to pay 20 % down - but thinking of putting 5 % down and remaining thinking of putting in 15 %( around 100K)

in stocks( apple, Microsoft)- they have been giving minimum of 25 % on avg every year for past 5 years.

What is your opinion, is it good idea to put less or put 20% 

 

Stocks not a good option now. Pmi 150lo ithadi anntee ni logic works. Otherwise waste.

 

[yemdoing]

14 minutes ago, sage said:

for $ 680K -I have cash to pay 20 % down - but thinking of putting 5 % down and remaining thinking of putting in 15 %( around 100K)

in stocks( apple, Microsoft)- they have been giving minimum of 25 % on avg every year for past 5 years.

What is your opinion, is it good idea to put less or put 20% 

 

if you really want to take risk then may be balance it out. mortgage payments for 20% and 5% will differ a lot.

calculate how much your monthly payments will be if you 20% ,15%,10% and 5%.

find a spot which is comfortable for you.

[nokia123]

22 minutes ago, sage said:

for $ 680K -I have cash to pay 20 % down - but thinking of putting 5 % down and remaining thinking of putting in 15 %( around 100K)

in stocks( apple, Microsoft)- they have been giving minimum of 25 % on avg every year for past 5 years.

What is your opinion, is it good idea to put less or put 20% 

 

It you can manage to pay the pmi and extra monthly payment . Yes, go for it 

but stock market is highly unstable . Think about next 15-30 years time when you decide 

[sage]

45 minutes ago, Netflixmovieguz said:

Stocks not a good option now. Pmi 150lo ithadi anntee ni logic works. Otherwise waste.

 

ya Pmi is only $100

[krrish4u]

first of all in current market interest rates are going up and unless ur doing 20% you won’t have upper hand in negotiation on interest rates from different lenders…so think twice about on how to proceed

[hydusguy]

4 hours ago, sage said:

for $ 680K -I have cash to pay 20 % down - but thinking of putting 5 % down and remaining thinking of putting in 15 %( around 100K)

in stocks( apple, Microsoft)- they have been giving minimum of 25 % on avg every year for past 5 years.

What is your opinion, is it good idea to put less or put 20% 

 

top 20 stocks bound to go down with 2 years.. but if u r planning for kongterm its fine

[cloud]

Back in 2019 nen 5% chesa and saved 120k to invest in other places as naa interest 2.5 % unde . Pmi oka 100 padindi , later on when i refinanced pmi tesesaadu as my appreciation of my home came way more than purchased price . Now no emi and still i downed 5%