Author Topic: 36 Month or 60 Month and why?  (Read 1746 times)

balto21

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36 Month or 60 Month and why?
« on: March 14, 2016, 03:32:12 PM »
36 month loans are more liquid.
60 month loans offer lower monthly payments to a borrower, less liquidity and a higher rate to the investor.

To make  a long question short. Do you prefer 36 month or 60 month loans. Or, if you normally prefer 36, but you love 60 month with low loan amounts or some other filter... Yes, we can all backtest and just choose whatever the software tells us will be the best ROI, but psychologically, what are your thoughts?

Which is your preference and why?

Also is there enough data to support a 60 month sufficient back test?

lascott

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    • Appreciate my post and want to try LendingRobot? URL below
Re: 36 Month or 60 Month and why?
« Reply #1 on: March 14, 2016, 04:56:26 PM »
FYI, on related topics.

Topic: 36 months vs 60 months  (Read 4241 times)
http://www.lendacademy.com/forum/index.php?topic=1305.0

Topic: What TERM loan do you invest in?  (Read 4851 times)
http://www.lendacademy.com/forum/index.php?topic=2473.0
Tools I use: (main) BlueVestment: https://www.bluevestment.com/app/pricing + https://www.interestradar.com/ , (others) Lending Robot referral link: https://www.lendingrobot.com/ref/scott473/  & Peercube referral code: DFVA9Y

balto21

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Re: 36 Month or 60 Month and why?
« Reply #2 on: March 15, 2016, 10:03:42 AM »
thank you