I*******t
发帖数: 1838 | 1 What the new credit card law means for you
By Connie Prater
Credit card users can expect the most dramatic changes in credit terms,
interest rates and fees in decades now that a new federal credit card law
has gone into effect.
The new normal for credit cards is more transparency and easier-to-
understand terms, but at a higher upfront cost. Credit card issuers and
credit industry analysts say the credit card reform law could make credit
cards more costly for all users and unaccessible for many ... 阅读全帖 |
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B****8
发帖数: 139 | 2 The Consolidated Appropriations Act, 2016 (Public Law 114-113), signed into
law by President Obama on December 18, 2015, increases fees for certain H-1B
and L-1 petitioners. These petitioners must submit an additional fee of $4,
000 for certain H-1B petitions and $4,500 for certain L-1A and L-1B
petitions postmarked on or after December 18, 2015.
The additional fees apply to petitioners who employ 50 or more employees in
the United States, with more than 50 percent of those employees in H-1B or ... 阅读全帖 |
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o****e
发帖数: 1011 | 3 http://hubpages.com/hub/Adoption-Fees-for-Pet-Adoptions
There are a lot of websites that let people post ads for pets they're trying
to re-home. For whatever reason, these people are no longer able to care
for their pets or are no longer willing to keep them and must find them new
homes. Spend some time browsing these ads and you'll see that most people
will ask for an adoption fee - and that just doesn't sit right for some of
the prospective new families!
However, offering a pet "free to a good... 阅读全帖 |
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u*****x
发帖数: 32 | 4 请仔细阅读以下条款，确定适用：
Type： Domestic Economy Class Companion Certificate* for discounted
travel
Origin and Destination： Domestic Economy Class companion certificate for
discounted travel allows Gold Delta SkyMiles Cardmembers to bring a friend
for a $99 Companion Ticket fee plus $10.80-27.60 in government taxes and
fees (depending upon the itinerary) with the purchase of certain adult round
-trip fares on published routings within the 48 contiguous United States.
Residents of Hawaii and Alask... 阅读全帖 |
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L****n
发帖数: 240 | 5 自己找到了答案，跟大家分享一下。
有人说轰七八拢加起来，大致等于房子一年的property tax。不知道准不准。
（１）律师费
（２）银行贷款origination fee（也就一千以下）
（３）title company 的费用（这到底要多少钱真不明白）
（４）房屋保险（反正要出）
（５）纽约还有银行律师费
（６）有的银行要求一个月到三个月的payment放在独立帐户里
（７）有的银行要求三个月到半年的property tax放在独立帐户里
麻烦指点！一百万的房子多少万能够把closing fee搞定？我没有一百万，只是打个比
方。
Guide to Closing Costs for Home Buyers and Sellers in New York State
If you are buying or selling a house or real property in New York State, you
will incur closing costs. If you are buying a house and obtaining a
mortgage, thes... 阅读全帖 |
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l******7
发帖数: 2234 | 6 http://www.uscis.gov/portal/site/uscis/menuitem.5af9bb95919f35e
USCIS Immigrant Fee
Effective February 1, 2013
About the Fee
Foreign nationals who seek permanent residence in the United States and
receive an immigrant visa will need to pay a USCIS Immigrant Fee beginning
February 1, 2013.
The new fee of $165 was established in USCIS’s final rule adjusting fees
for immigration applications and petitions announced on Sept. 24, 2010.
USCIS has worked closely with the Department of State (DOS) to im... 阅读全帖 |
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y***j
发帖数: 11235 | 7 这么高么？我还以为2000已经算高了，因为网上随便google的很多人说200K的房子全
cash买1000
以下，NY啥东西都高，我多估了一倍还不够呀?
查了下：http://voices.yahoo.com/guide-closing-costs-home-buyers-sellers-159163.html
买：
又研究了下纽约买房平均38XX，我们这里房价在纽约州算中等偏下，我买的房子的目标
价格也在这个地区算中等偏下，估计贷款3000？如果不贷款还能减个1000-2000usd
lender的费用？所以2000应该够了？
Typical Closing Costs for the Buyer in New York
1. Application fee. This fee is charged by all banks and mortgage brokers to
process your mortgage application.
0
2. Appraisal Fee. Your bank will require an appraisal of your intende... 阅读全帖 |
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发帖数: 1 | 8 To apply for this card, following the following link
https://www.firstnational.com/site/personal/credit-card/amex/amex-travelite.
fhtml
$250 welcome bonus after required spend + annual $100 travel incidental fee
+ $100 global entry fee every five years
For the travel incidental fee and global entry fee, you need to enroll in
premium concierge to qualify. I just enrolled yesterday and the confirmation
email lists detailed fees that qualify the incidental fee. I am sharing
this info below
You have... 阅读全帖 |
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l****z
发帖数: 29846 | 9 By ROBIN SIDEL
Jason Scherr had a lot on his mind the day after he opened his fifth Think
Coffee shop in Manhattan last week. The fan was blowing too hard, the
classical music was playing a little too loudly—and he was trying to figure
out how to get more customers to pay with cash.
Manhattan coffee-shop owner Jason Scherr says his debit-card fees are higher
since the Dodd-Frank law.
A new law that was supposed to reduce costs for merchants that accept debit
cards has instead sent Mr. Scherr's m... 阅读全帖 |
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z****l
发帖数: 5282 | 10 ☆─────────────────────────────────────☆
boysa (boysa) 于 (Wed Jul 3 11:44:57 2013, 美东) 提到:
昨天让CHASE给免了第一次LATE FEE，CSR还查了记录次啊免的，说是第一次。
我觉得这个只有第一次免的PLOICY很扯淡。
人总有忘事疏忽的时候，为什么不能比如2年内没有LATE就可以免一次呢？交通POINT S
YSTEM好像也有个18个月什么的时限。
我觉得这点很没有人情味。
BTW，这个第一次免LATE FEE是针对每张卡的，还是每个银行的？如果我的FREEDOM以后
转成CHASE的其它卡是不是还是会记住第一次WAIVER了？
☆─────────────────────────────────────☆
Walkwoman (寒江雪) 于 (Wed Jul 3 11:49:14 2013, 美东) 提到:
靠，我得$25 late fee,不给免呢？看了还要跟他们扯皮。
☆─────────────────────────────────────☆
Vas (L... 阅读全帖 |
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m**w
发帖数: 670 | 11 发现不少人发帖不断的在问，我来总结一下吧：
总体而言，大多数银行都在拓展信用卡在美国以外的消费。其中做的最好的是Chase,
Capital One,Discover。
注：不是在谈ATM取当地cash的foreign transaction fee，那是debit card
具体分类入下：
【Chase】
所有收年费的信用卡(除了southwest Plus)都是免foreign transaction fee。
道理很简单，southwest主要美国国内航班，有个别中美墨西哥的，不是太在乎本来就
很小的海外消费环节。
更新：$69年费的Plus是要收。 / 99年费的Premier，是免。
其他的酒店卡，航空公司卡非常看重客户在travel的同时，在海外市场的消费。
Chase自己的信用卡，Sapphire Preferred目标就是让到处travel人士使用。Ink是biz
卡，原则上用户的刷卡量肯定会很大，所以也提供该benifits.JP Morgan Palladium/
JP Morgan Select目标和蓝宝石差不多。
【Capital One】
虽然该银行许多策... 阅读全帖 |
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z****y
发帖数: 6864 | 12 King County Metro Transit faces a $60 million deficit next year and a 17
percent reduction in service over the next two years, with the majority of
the cuts expected in the Seattle-Shoreline area, where most of the buses run.
There is an alternative: a new car-tab fee that appears headed for the
November ballot, where it would compete for taxpayer approval with other
local measures.
State lawmakers gave county officials the authority earlier this year to
charge an extra $20 for car tabs — which ... 阅读全帖 |
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发帖数: 1 | 13 3.375%是15年的吗？如果是的话有点高，且Column A里面的Origination fee也算高的
，Column C的话是Title的费用，也就是无论你用哪一家银行来贷款这部分都是这么多
，如果楼主还有时间的话建议多问问
Column A Origination charges $1,205
% of Loan Amount (Points)
Funding Fee $500
Tax Certificate Fee $80
Underwriting Fee $595
Wire Transfer Fee $30
Column B Service you can not shop for $787
Appraisal Fee $750
Credit Report Fee $28
Fl... 阅读全帖 |
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N*****t
发帖数: 209 | 14 REALTORS® Applaud Gov. Christie's Stance on Eliminatin Realty Transfer
Fees from New Jersey
Edison, N.J. (April 15, 2014) – Today at a town hall meeting, Gov. Chris
Christie said he would like to see realty transfer fees eliminated from New
Jersey. The move would help all homeowners around the state, particularly
those facing foreclosure or short sale.
The housing market in New Jersey has shown positive growth the last five
quarters, and eliminating the realty transfer fee would further help... 阅读全帖 |
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c*t
发帖数: 238 | 15 【 以下文字转载自 Living 讨论区 】
发信人: cdt (又来灌水了), 信区: Living
标 题: Re: 帮忙看看这个贷款的各种fee
发信站: BBS 未名空间站 (Tue Dec 6 15:21:04 2016, 美东)
Column A Origination charges $1,205
% of Loan Amount (Points)
Funding Fee $500
Tax Certificate Fee $80
Underwriting Fee $595
Wire Transfer Fee $30
Column B Service you can not shop for $787
Appraisal Fee $750
Credit Report Fee ... 阅读全帖 |
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g****d
发帖数: 88 | 16 Here is the formula to caculate the difference with or without fee.
If we assume annual return rate before fee is X and annual fee is Y, after Z
years, the total return for an account without fee is:
(1.0 + X)^Z - 1.0
The return with the fee is:
(1.0 + X - Y)^Z - 1.0
Sample 1: X=5%, Y=2%, Z=30 years
return without fee = 332%, return with fee = 143%.
Cost of fee = 57% of your total return.
Sample 2: X=8% Y=1%, Z=30 Years
return without fee = 1006%, return with fee = 574%.
Cost of fee = 43% of you... 阅读全帖 |
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p******s
发帖数: 229 | 17 purchase price asked by builder: $350k
down payment: $70k
fees from lending company:
1. flood centificate $10
2. final inspection: $100
3. brokerage/original fee: $2800 (1% of loan amont)
4. funding fee $150
5. assignment fee $5
6. tax service fee $105
7. processing fee $350
8. underwriting fee $250
9. administration fee $50
10. document preparation fee $300
11. appraiser: $350
subtotal: $4470
fees from title company
12. owner policy of title insurance: $2800 (1% of loan amont)
13. escrow fee $4 |
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c********n
发帖数: 731 | 18 closing fee is a general term. Usually it includes 4 parts:
1. your pre-paid taxes, HOA fee if applicable, insurance
2. in some states, title insurance and title service fee
3. mortgage related cost, origination fee, lock fee, commitment fee, etc.
4. Other fees like attorney fees, appraisal fees, survey (optional in some
states)
1 and 2 are what you have to pay no matter what and title service charge
could vary.
you can shop for 3 and 4 and see who has lower fee. Usually the mortgage
company o... 阅读全帖 |
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c*t
发帖数: 238 | 19 Column A Origination charges $1,205
% of Loan Amount (Points)
Funding Fee $500
Tax Certificate Fee $80
Underwriting Fee $595
Wire Transfer Fee $30
Column B Service you can not shop for $787
Appraisal Fee $750
Credit Report Fee $28
Flood Certificate Fee $9
C: Service you can shop for $3353
Title-early issue insurance ... 阅读全帖 |
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h********6
发帖数: 705 | 20 最近医院有促销活动:
Through December 31, 2014, your maximum final value fee will be $200
What are the fees?
Sellers will pay a maximum of $200 on the final value fees per item for up
to 100,000 items listed during the Promotion Period. Final value fees will
be applied to the total amount of the sale including the cost of the item,
shipping, and any other fees a seller may charge—excluding any sales tax.
Note that existing final value fee rates still apply, but the maximum final
value fee per item has bee... 阅读全帖 |
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g****d
发帖数: 88 | 21 Here is the formula to caculate the difference with or without fee.
If we assume annual return rate before fee is X and annual fee is Y, after Z
years, the total return for an account without fee is:
(1.0 + X)^Z - 1.0
The return with the fee is:
(1.0 + X - Y)^Z - 1.0
Sample 1: X=5%, Y=2%, Z=30 years
return without fee = 332%, return with fee = 143%.
Cost of fee = 57% of your total return.
Sample 2: X=8% Y=1%, Z=30 Years
return without fee = 1006%, return with fee = 574%.
Cost of fee = 43% of you... 阅读全帖 |
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D****t
发帖数: 37 | 22 谢谢两位的回复，刚查到一些信息，算是补充吧。
Updated 8/14/12 do not know if they have taken away some or all of the
amenties as it changes all the time..
these hotel do NOT have a resort fee
· Bally's
. Bills
· Caesars Palace
· Casino Royale
· The Cosmopolitan
· The California
· El Cortez
· The Flamingo
· Golden Gate
· Golden Nugget
· Harrah's
· Imperial Palace
· LVH
· M Resort
· Main Street Station
·PLANET HOLLYWOOD
·paris hotel
.The Platinum Hotel and Spa
· Rio Las Vegas
· South Point
there a new hotel on the st... 阅读全帖 |
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c*****4
发帖数: 900 | 23 No Point No Fee应该包括了以下费用:
1. Lender's Charges: Underwriting/administrative fee, appraisal fee, flood
certification, tax service fee, credit report, etc.;
2. Title & Escrow Fees: Settlement/Escrow fee, lender's title insurance,
notary fee, loan tie-in fee, sub-escrow fee, courier fee, etc.
3. Government taxes and recording charges
如果是真正的No Point No Fee (也称为No Cost)，则上述各项费用最终算下来是会被
lender credit全盘cover的。 |
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j**y
发帖数: 147 | 24 【 以下文字转载自 VA_MD_Mortgage_Forum 俱乐部 】
发信人: jody (bright sunshine), 信区: VA_MD_Mortgage_Forum
标 题: starting on Apr.1, G fee will be increased for Fannie & Freddie loan
发信站: BBS 未名空间站 (Sat Dec 31 12:53:17 2011, 美东)
WASHINGTON (Dow Jones)--The Federal Housing Finance Agency announced
Thursday that Fannie Mae and Freddie Mac would raise fees they collect from
lenders to implement part of the deal reached by lawmakers last week on the
payroll tax break.
Lawmakers approved legislation Friday that exten... 阅读全帖 |
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h*****8
发帖数: 4754 | 25 U.S. OPTIONS EXCHANGE REGULATORY FEE (ORF)
Starting February 1, 2010, a new pass-through exchange fee, referred to as
the Options Regulatory Fee (ORF), will be collected by IB on behalf of the U
.S. opti on exchanges. The fee will be assessed t o customer orders at a
rate of $0.014 per U.S. exchange listed option contract and is in addition
the IB commission char ge as well as any existing exchange fees . Its stated
purpose is to assist in offsetting exchange costs relating to the
supervision an... 阅读全帖 |
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o******5
发帖数: 142 | 26 Appraisal Fee $350
credit report fee $18
flood check fee $12
process fee $500
wire overnight fee $30
tax service fee #65
condo fee $570
closing /escrow fee $500
title insurance fees $347
recording fee $80
total closing $ 2472
除了这些， 还有别的closing 费用吗? |
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P****E
发帖数: 111 | 27 请大家帮我分析一下这个南加的Escrow company是不是收了很多不合理的费用，非常谢
谢！！
Escrow fee $636 (for buyer)
loan Tie-in $250
ALTA title policy $336
Title sub-escrow fee $65
Processing/Audit $150
Endorsement to title policy $100
Email Doc Fee $75 (请问有人被收过这项fee吗？)
Escrow Pad $500 （这个可能最后可以退还）
Notary fee $80
Wire fees to Escrow $50
Wire fees to Title $50
Messenger fees to Escrow $100 (请问有人被收过这项fee... 阅读全帖 |
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r******n
发帖数: 225 | 28 我这个比angelfeier还少借不少，也没有escrow account，可是还要1万多。。。
lender给$4500 credit，之后是$5,998.59，但利率也比别处高。
1st Mortgage Amount $134,580
1. Lender Fees
1.1) 1% Origination Fee, $600 Application Fee $1,945.80
1.2) Appraisal (Paid Upfront) $450.00
1.3) Tax Service $58.00
1.4) Credit Report (Paid Upfront) $63.00
1.5) Final Inspection $55.00
1.6) Flood Certification $15.00
1.7) MERS Registration $6.95
*Total Lender Fees $2,593.75
2. Title Charges
2.1) Title Insurance Policy ... 阅读全帖 |
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c**********e
发帖数: 1184 | 29 GFE或者Fee Worksheet可以给，不过在申请贷款之前给您的那一份并不是准确的，贷款
的closing cost主要有以下几个部分：
1.Loan Origination （Broker） Fee - 这个部分在给您出GFE的时候是可以确定的。
2.Lender's Charge - 也就是银行审核贷款收的费用，一般包括underwriting fee，
appraisal fee，tax service fee， flood cert fee等等，这个部分在给您出GFE的时
候也是可以确定的。
***3.Title & Escrow Charges - 也就是title和escrow公司收的费用，一般包括Owner
's Title Insurance, Lender's Title Insurance，Settlement Fee等等，这个费用是
根据您的房价和贷款金额，以及选定的escrow和title公司决定的。一般这些title和
escrow公司都是买卖双方的agent选定的。Loan Broker在给您的GFE上只能放一个根据
自己的经验估计的数值，这就是为什么G... 阅读全帖 |
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n***k
发帖数: 48 | 30 Charles Schwab - 这个最好用
No Foreign Transaction fee on both ATM and VISA Purchases, Unlimited ATM
Owner Fee rebates. ($1000 daily Withdrawal Limit)
Fidelity
No Foreign Transaction Fee on ATM Withdrawal(汇率跟Schwab的一样), Up to 1
% Foreign Transaction Fee on VISA Purchases.($1000 daily Withdrawal Limit)
State Farm Bank
No Foreign Transaction Fee on ATM Withdrawal(汇率跟Schwab的一样,State
Farm Bank那边不会charge任何费用), Up to 1% Foreign Transaction Fee on VISA
Purchase. ($750 daily Withdrawal Limit)
AT... 阅读全帖 |
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S****l
发帖数: 2383 | 31 Eligible incidental fees include:
Checked baggage fees (including overweight/oversize baggage)
Itinerary change fees
Phone reservation fees
Pet flight fees
Seat assignment fees
In-flight amenity fees (beverages, food, pillows/blankets, headphones)
In-flight entertainment fees (excluding wireless internet fees, because
these fees are not charged by the airline)
Airport lounge day passes & annual memberships |
|
v**********8
发帖数: 1685 | 32 F1学生，头一次按resident alien报税。PhD所以学校cover了所有的tuition和health
fee包括insurance。
1098t的box1是0，box2是141.5(应该就是下面的三笔mandatory fees)，box5是3870（
应该就是剩下的health insurance和scholarships&grant）.我check了我们学校的系统
，发现这3870都是insurance和student health center fee（包括那几笔scholarships
&grant实际也是health fee awards和health center fee）。按照1098t的要求，这部
分的确不qualify education expenses，所以软件里都把这部分算作了taxable income.
但问题来了，这部分算我taxable income里吗？因为我实际没有拿到手，w2上也没有。
算的话有相关的health insurance deduction吗，不算的话怎么处理，按tax treaty吗
？
谢谢！
Transaction H... 阅读全帖 |
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c****d
发帖数: 135 | 33 达拉斯买房，房子$292K,
要申请房贷了，Broker给我列了如下的Closing Fee list：
ORIGINATION CHARGES
Underwriting Fee $850.00
Attorney Fee $275.00
OTHER CHARGES
0.375 % ($675.00)
Appraisal Fee $455.00
Credit Report Fee $35.00
Closing/Escrow Fee $350.00
Lender's Title Insurance $250.00
Courier Fee $50.00
Tax Cert. $48.95
Guaranty Fee $10.00
Mortgage Recording Charge $130.00
Hazard Insurance Reserves ... 阅读全帖 |
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w*******y
发帖数: 60932 | 34 Looks like if you sell on ebay especially motors you will be getting money
back from them due to a pending lawsuit.
IMPORTANT LEGAL NOTICE PLEASE DO NOT DELETE
A. INTRODUCTION
You are receiving this notice because eBays records show that you paid Final
Value Fees for selling items in the vehicle-related parts and accessories
categories on eBay Motors (Parts and Accessories) between April 21, 2005,
and August 26, 2009. You will be entitled to a partial refund of those fees
(net o... 阅读全帖 |
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p********0
发帖数: 186 | 35 Recently, a transaction didnot go through because of the HOA is not
incororated (Fannie Mae regulation). So contract get cancelled because of
financing contigency.
Contract specify Seller to pay for the HOA doc prepartion fee, however
escrow officer deduct the money from earnest money BUYER put in
and use the small print to ask buyer to cover the cost, is it resonale?
ADVANCE FEES: Buyer and Seller are aware that Escrow Holder may incur
certain expenses during the course of processing this escr... 阅读全帖 |
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I******A
发帖数: 426 | 36 按法律要求, 不管是买房贷款,还是no cost refinance,所有跟贷款相关的费用都需要
disclose出来.
这些费主要包括以下几项:
1. 贷款银行的费用(Lender Charge)
这一类收费因lender而异,包括Appraisal fee和Lender Underwriting
Fee，总数通常在$1200~$1500左右。有的lender还会收Tax Service Fee, Flood
Certification Fee, Wiring Fee等等.
2. 产权费用(title service and title insurance)
这一类收费因选的escrow/title公司而异，通常包括Escrow Fee(也称为Settlement
Fee)，Title Insurance及Notary Fee。
3. 政府收费(RECORDING FEES及RECORDATION/TRANSFER TAX)
这一类的收费因为是政府的收费，不管哪家mortgage broker来做贷款都是一样的。
如果是no cost refinance,broker or len... 阅读全帖 |
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c**********e
发帖数: 1184 | 37 需要准备的的钱有：downpayment加上closing cost，也就是$90K down + closing
cost
一个买房贷款的closing cost一般分四种：
1.Loan Origination （Broker） Fee - 这个部分在给您出GFE的时候是可以确定的，
一般现在的broker都不收，也就是零。
2.Lender's Charge - 也就是银行审核贷款收的费用，一般包括underwriting fee，
appraisal fee，tax service fee， flood cert fee等等，一般在几百到上千不等。
3.Title & Escrow Charges - 也就是title和escrow公司收的费用，一般包括Owner
's Title Insurance, Lender's Title Insurance，Settlement Fee等等，这个费用是
根据您的房价和贷款金额，以及选定的escrow和title公司决定的。一般这些title和
escrow公司都是买卖双方的agent选定的，有的费用可以让卖家cover。按照您的房价... 阅读全帖 |
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d*2
发帖数: 2053 | 38 http://news.yahoo.com/s/ap/20101209/ap_on_re_eu/eu_britain_tuition_tangle
LONDON – In Britain's worst political violence in years, furious student
protesters rained sticks and rocks on riot police, vandalized government
buildings and attacked a car carrying Prince Charles and his wife, Camilla,
after lawmakers approved a controversial hike in university tuition fees.
Demonstrators set upon the heir to the throne's limousine as it drove
through London's West End shopping and entertainment hub. Pr... 阅读全帖 |
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w****n
发帖数: 58 | 39 Copy from discovercard.com
Will I be charged a transaction fee when I make a purchase in a foreign
currency using my Discover Card?
No, Discover does not charge a foreign currency fee.
Also
http://www.cardhub.com/edu/foreign-transaction-fees/
Foreign Transaction Fee – Discover
As of Nov.6, 2011, Discover no longer charges foreign transaction fees for
any of its cards, all of which used to have 2% fees for foreign use.
Discover is currently accepted in 49 countries and territories outside of
the ... 阅读全帖 |
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c********9
发帖数: 319 | 41 no hidden fees - (
gateway fees, monthly statement fees, web access fees, address verification
fees, downgrade fees, etc)."
这些也有脸说啊？ 这是作为一个ethical的 payment processor 基本的要求了吧。
merchant account 是需要交 monthly fee 和 address verification fee 的。 |
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t*****n
发帖数: 703 | 42 Transfer to a Non-Wells Fargo Account (3 Day Delivery) - $3
========================================
More on Bank-to-Bank Transfer Fees
Fees, when applicable, are based on our current fee schedule. Any scheduled
transfers will be subject to the current fees on the date the transfer is
processed. If you are eligible for fee waivers and lose your eligibility,
fees will be assessed, when applicable, to any transactions that are
processed on or after the date you lose your eligibility.
Bank-to-Bank ... 阅读全帖 |
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t*****n
发帖数: 703 | 43 Transfer to a Non-Wells Fargo Account (3 Day Delivery) - $3
========================================
More on Bank-to-Bank Transfer Fees
Fees, when applicable, are based on our current fee schedule. Any scheduled
transfers will be subject to the current fees on the date the transfer is
processed. If you are eligible for fee waivers and lose your eligibility,
fees will be assessed, when applicable, to any transactions that are
processed on or after the date you lose your eligibility.
Bank-to-Bank ... 阅读全帖 |
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d*****r
发帖数: 273 | 46 I think the formula should be
((1 + X)(1-Y))^Z - 1.0
because the fee is charged based on the total amount invested, (1+X)^Z gives the total amount.
Sample 1: X=5%, Y=2%, Z=30 years
return without fee = 332%, return with fee = 136%.
Cost of fee = 59% of your total return.
Sample 2: X=8% Y=1%, Z=30 Years
return without fee = 1006%, return with fee = 644%.
Cost of fee = 36% of your total return.
No matter which formula to use, we come to the same conclusion: small annual fee may cost big for your i... 阅读全帖 |
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E*******g
发帖数: 54 | 47 I am first home buy without much experience. I contacted Chase, they said
their rate according to our credit score (which is excellent) is 5.125% for
30yrs and 4.625% for 15yrs and they also listed fees as follows. Are these
fees reasonable? Any suggestion on low rate mortgage bank? I am in CO.
Thanks lot
Loan Origination fee 1000
Appraisal fee
Tax Related Service 84
Application fee 395
Processing fee 399
Underwrinting fee 295
Courier Fee 25 |
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H*****3
发帖数: 117 | 48 剛收到est. statement，我們買35的房子，但是closing fee要6000
Interest on New Loan 11/18/09 to 12/01/09 @$46.390000/day - 603.07
Underwriting Fee - 775.00
Tax Service Fee - 65.00
Flood Certification Fee - 19.00
Appraisal Fee - 18.00
Processing Fee - 550.00
Title/Escrow Charges to:
Notary/Signing Fee - 125.00
ALTA Ext Loan Policy 1056.06 (6-17-06) - 1 - First American Title Company
493.00
Escrow Fee - 1,000.00
Eagle Owners Policy - 1,207.00
Record Deed - 18.00
Record Trust Deed - 1 - 60.00
Disbursements Paid:
Fi |
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T***t
发帖数: 181 | 49 大Los Angeles 地区， 成交价 ＄５５０K, escrow 公司的charges 如下（不包括
fees to Loan company, Title company, Hazard insurance, and notary):
Escrow fee - $1212.5 ($250 base + $1.75 per $1000)
Loan Tie-in Fee - $350 (loan amount $420k)
Doc Prep/ Handling Fee - $210
Messenger Fee -$85
Wire fee -$30
Total for Escrow company: $1887.5
销售合同上写Escrow公司由卖家定，买家和卖家each pay own fees. 请各位南加州最
近有买房closed 看看上面的收费是不是合理? 包含了junk fees 吗？ |
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b***y
发帖数: 100 | 50 老是听radio 里面说 no point no fee. 但是我的朋友告诉我no point no fee一般是
对refinance 来说的. 买房子的人很难拿到no point no fee. 这个说法是对的吗?
还有就是 no fee是指那些fee 没有啊?
origination fee + underwriting fee + etc....
no fee是不是就是一分钱都不出阿? 这不是太好了吧?
谁知道的大虾说两句指教一下吧?
谢谢 |
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