O****e
发帖数: 802 | 1 我在的小区里面两个月前有一家中国人买的房子。合同价格405K，结果APPRAISAL 370K
。但是卖家就不降价。 结果这家中国人还是405K买了。 |
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c********n
发帖数: 16 | 2 If you just need five seats SUV, Acura RDX2016 is a good choice; very
similar to BMW X3/Lexus NX, 405K cheaper. Driving is significantly better
than RX350. It is more sporty. |
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l**y
发帖数: 2103 | 3 二手交易风险自负！请自行验证是否合法和一手卡！:
我想卖的物品:
AMEX MR Membership Rewards
111k +
36k +
88k +
85k +
85k +
@ 1.51
单张面值:
see above
可接受价格(必须明码标价！):
1.51 c/point
物品新旧要求:
邮寄方式要求:
买卖双方谁承担邮寄损失(Required if not code only):
n/a
付款方式说明:
BOA Paypal
其他补充说明:
不收人民币
广告的有效期:
物品来源(Required for All Cards!):
我的联系方式:
mitbbs
Warranty期限:
能否证明是合法的一手卡?(Required for All Cards!):
state and zip: |
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g**********2
发帖数: 4881 | 9 today's need
AA 67.5 @1.6
AA 135K/270K/405K @1.65
Alaska 50K/55K/67.5K/70K/100K/110K 1.35-1.45
AMEX >=100K @1.55
UA 80K/150K/160K @1.5
UA GPUs @ $350
Chase @ 1.6
US$ exchange rate 6.19 (+/- 0.01) ( old and returned customers only) |
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a*********a
发帖数: 3656 | 10 let s make an attemp to quantify.
1. go to a start up, 5 year horizon. roughly say you have 90% prob to make
only the salary (say 100k) then loose your job and this could happen anytime
during that 5 years, so add another 10% discount to that. maybe 9% prob to
make 1M, 0.9% prob to make 10M, 0.1% prob to make 100M. but those high
payouts are likely to be in restricted company shares so I d put a 10%
discount on them.
so we have 0.9*100k*0.9*5+0.09*1000k*0.9+0.009*10000k*0.9+0.001*100000k*0.9
=40... 阅读全帖 |
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a*********a
发帖数: 3656 | 11 let s make an attemp to quantify.
1. go to a start up, 5 year horizon. roughly say you have 90% prob to make
only the salary (say 100k) then loose your job and this could happen anytime
during that 5 years, so add another 10% discount to that. maybe 9% prob to
make 1M, 0.9% prob to make 10M, 0.1% prob to make 100M. but those high
payouts are likely to be in restricted company shares so I d put a 10%
discount on them.
so we have 0.9*100k*0.9*5+0.09*1000k*0.9+0.009*10000k*0.9+0.001*100000k*0.9
=40... 阅读全帖 |
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l**t
发帖数: 452 | 12 or 4.75% 30Yr fixed no cost
or 3.875% 15% fixed with cost
My current loan is $417K with 5.625% 30Yr fixed from May, 2008. Right now,
it still has $405K left. |
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M******u
发帖数: 115 | 13 Bought house at 565K with 150K downpay.
Now house value is 310k, loan 405k.
somebody said I could pay 5k to hire an attorney to force the bank to drop
the loan to decent amount due to my 26% downpayment.
true or false?
Thanks! |
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g*****i
发帖数: 181 | 14 白白我们买房子的事情：
这个卖房子的是个agent.一开始在房子的介绍说appliance都包括。等讲价时候呢，
他要419k, 我们回390k, 他回405k,不带冰箱，我们回400k 带冰箱,他接受了。不明白
纠结个冰箱干什么！反正感觉不好
3/21 是合同里disclosure 和 appliance list deadline
3/22 我们还什么都没收到。 我接到我门的agent 这样的信：
I spoke to the agent/seller yesterday he is suppose to send the list of
appliances and any pool stuff yesterday (3/21, deadline)so I have called him
again this morning. Because they have never lived there they gave us a non-
occupant so they are not giving disclosures but I am not worried, our
i... 阅读全帖 |
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s********m
发帖数: 281 | 15 卖方连COUNTER都没有，我AGENT说是卖方收到FULL-PRICE OFFER，马上就UNDER
CONTRACT了。我的OFFER 比LISTING少了$14K。 $419K的房子，我OFFER了$405K。 |
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n****a
发帖数: 782 | 16 不能理解，难道银行希望你多贷款？
比如我想买个房子54万，手头可以有up to 15万首付，我该贷多少loan会拿到最低利率？
417K? 75% LTV的405K？还是390K? 或者其他？
求指点 |
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b**2
发帖数: 519 | 17 银行肯定是希望在LTV一样的情况下,让你多贷款了.如果你想拿最低的利率,要求LTV 75
以下,$405K可以让你拿到最低的利率.
率？ |
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T***A
发帖数: 103 | 18 Loan amount 324K, after 20% down payment of 405K.
15 yrs fixed,conventional loan.
pay $800 fee to buy a quarter point.
how is that? |
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i***y
发帖数: 130 | 19 准备在NYC买一个condo，405K左右，想借300K的mortgage。之前查了自己credit score
有740＋，不过后来糊涂涂又开了一张新信用卡，今天再查fico降到710了，想问这个分
数借300K还能拿到比较好得rate吗？（3.75％的样子） |
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j******f
发帖数: 2109 | 20 我前天出 list 370k offer 405k
Counter back 420k
默默地退出
Ssf, Bart station condo |
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M******u
发帖数: 115 | 21 来自主题: SanFrancisco版 - 请教高人! a house, Zestimate®: $358K, loan 405K.
if short sale, how bad my credit will be? say score is 790 now. |
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M******u
发帖数: 115 | 22 【 以下文字转载自 Living 讨论区 】
发信人: Meidoufu (Meidoufu&Banjiaojiang(霉豆腐&斑椒酱),), 信区: Living
标 题: true or false? anybody knows?
发信站: BBS 未名空间站 (Wed Jan 19 16:08:48 2011, 美东)
Bought house at 565K with 150K downpay.
Now house value is 310k, loan 405k.
somebody said I could pay 5k to hire an attorney to force the bank to drop
the loan to decent amount due to my 26% downpayment.
true or false?
Thanks! |
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发帖数: 1 | 23 联邦税
https://en.wikipedia.org/wiki/Capital_gains_tax_in_the_United_S
首先确定你一般收入的边际税率，假设你结婚并jointly报税，如148k到227k是28%，
227k到405k之间是33%，457k以上是39.6%。
然后确定你的long term capital gain税率：25%－35%的对应是15%，39.6%的对应20%。
然后算附加税，收入超过250k的夫妇加3.8%。也就是说这些夫妇交gain的18.8%或23.8
％。
加州不管，gain一律按一般收入算，总收入在100k至1m之间的税率在9.3%－11.3%之间。
你自己看，假如你联邦是18.8%，你要准备赚的部份(gain)要交总共28.1%－30.1%的税。
你卖50万，假如你挣了25万，准备7万多的税。大概有43万可以用来买房。 |
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t****a
发帖数: 356 | 24 我们第一次买房，签了一个购房合同，是ranch，listing上面
没有写房子的sq ft,不过seller有口头说有1800 sq ft,刚才
打电话给county asseseor,说实际是1602 sq ft。虽然location,
朝向，还有其他一些问题，房子本身总的来说还是维护的挺好
（不过我们总共才看过不到10个房子，也没有什么看房子的经验，
所以只是凭感觉）。当时看房的时候附近(隔了10几个房子）
有一个面积1809sq ft 的colonial，同一年建的，还多了一个车库，
开价455K，5月底以410k成交，我们在offer时参考这个房子还有
其他两个在附近的房子，同时根据seller 说的1800 sq ft，
所以在seller 开价440k的基础上以405K签了合同，我想问的是：
1）我们的agent 跟我说sq ft 在NJ resale real estate并不
那么重要，确实是这样吗？
2）因为我们的offer是考虑了房子面积，在 listing price的
基础上还价，现在却发现有200sq ft的差别，所以觉得当时的
listing price相对 |
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