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​loan ​is ​$1,000. ‍Points ​are ​costs ​that ‍need ‍to ‍be ​paid ‍to ​a ​lender ​to ‍get ‍mortgage ​financing ‍under ​specified ​terms. ‍Discount ‍points ‍are ‍fees ​used ​to ​lower ​the ‍interest ​rate ‍on ​a ​mortgage ‍loan ‍by ​paying ​some ​of ​this ‍interest ​up-front. ​Lenders ​may ‍refer ​to ‍costs ​in ​terms ​of ​basic ‍points ​in ​hundredths ​of ‍a ‍percent, ‍100 ​basis ‍points ​= ​1 ​point, ‍or ‍1% ​of ‍the ​loan ​amount.","category":"general","question":"What are points?"},{"answer":"Yes, ​if ​you ‍plan ​to ‍stay ​in ​the ‍property ‍for ​a ​least ​a ​few ‍years. ​Paying ​discount ​points ‍to ​lower ‍the ​loan’s ​interest ​rate ​is ‍a ​good ​way ​to ‍lower ‍your ‍required ​monthly ‍loan ​payment, ​and ​possibly ‍increase ‍the ​loan ‍amount ​that ​you ‍can ‍afford ‍to ‍borrow. ​However, ​if ​you ​plan ‍to ​stay ‍in ​the ​property ‍for ‍only ​a ​year ​or ​two, ‍your ​monthly ​savings ​may ‍not ​be ‍enough ​to ​recoup ​the ​cost ‍of ​the ​discount ​points ‍that ‍you ‍paid 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