借贷人在为投资房申请贷款时，银行会针对此种房贷收取一笔额外的费用，一般是贷款额的1.75%。如果您想为投资房做no closing cost的话，利率要比自住房的利率多出0.5%左右。
相反的，如果你愿意交付这笔1.75%的费用来换取低0.5%的利率，10年、20年以后，你将会省下很大一笔利息钱。
让我们来假设Mike和Susan同时为自己的投资房借贷了$200,000。Mike选择了无费用的贷款方式，而Susan经过反复权衡，最终决定支付这笔1.75%的贷款费用：
| Mike | Susan | Susan’s Savings | |
| Loan Amount | $200,000 | $200,000 | |
| Loan Program | 30 year | 30 year | |
| Interest Rate | 5.5% | 5.0% | |
| Closing Cost | 0 | $3,500 | |
| Interest over 4 years | $42,784 | $38,795 | $489 |
| Interest over 10 years | $101,351 | $91,521 | $6,300 |
| Interest over 20 years | $177,175 | $158,899 | $14,776 |
| Interest over 30 years | $208,808 | $186,511 | $18,797 |
从表中可以看出来，Susan要花4年的时间才能把$3,500省回来：
Susan’s savings over 4 years = $42,784 – $38,795 – $3,500 = $489
但是从第4年以后，Susan就可以省下可观的利息钱了。比如说，10年以后，Susan比Mike节省了$6,300；20年以后，Susan节省的费用已经高达$14,776：
Susan’s savings over 10 years = $101,351 – $91,521 – $3,500 = $6,300
Susan’s savings over 20 years = $177,175 - $158,899 – $3,500 = $14,776
当然，Mike选择no closing cost贷款的主要原因是希望利率有下跌的空间。如果利率下跌了0.5%，Mike就可以重新贷款，将利率降到5.0%。
利率的升降是谁都预测不了的。如果利率在4年之内下跌了0.5%，Mike就赚了，不用花钱就可以做到5.0%的利率。
与Mike不同的是，每次Susan贷款时都选择支付1.75%的贷款费用。如果利率下跌了0.5%，Susan再次重新贷款时，利率就做到了4.5%。10年、20年之后，Susan还是比Mike节省了上万$的银行利息。
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