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全部话题 - 话题: hazard
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x*******u
发帖数: 384
1
lz先看看有没有买road hazard。
我上次也扎了个钉子,和LZ差不多的位置,walmart看了下说不能补,只能换轮胎。
有road hazard就简单了

。新车4000miles出头,钉子大概有1CM左右长。
是要我自己掏腰包?
a******o
发帖数: 16625
2
来自主题: Automobile版 - 一定要用run flat tire么
扎钉子hazard insurance有效。costco都是免费带hazard insurance的
m******p
发帖数: 5393
3
来自主题: Automobile版 - 大家都是什么时候开雾灯?
作用和用途不一样,你说的双闪是hazard light/ hazard flashers/emergency stop/
warning lights or etc,是紧急情况下用的比如车已经或者快要disable了或者其他故
障下警示其他行进车辆的
fog light更多是照明加警示
d*b
发帖数: 21830
4
别搞笑了,医院的infection waste都是红色塑料小箱装的,专门有人来收的,带箱子
一起回收,每个箱子上都有序列号。
医院里的waste不光bio hazard waste,连办公纸都要装专门加锁的垃圾箱,有专门的
垃圾车来收,现场粉碎后装车的。
bio hazard, radiative, needle这种混入一般垃圾箱后的EPA罚款是很可观的,比如你
要把teflon的工作服扔到普通垃圾箱被recycle发现了,罚款至少5万刀。
所以医院的大型垃圾箱就是一般的垃圾箱。
a******o
发帖数: 16625
5
来自主题: Automobile版 - MDX 6年维护成本总结。
costco哪里有十万的warranty?只是和轮胎warranty等长的hazard insurance而已。
hazard只能赔一部分,而且没见过十万迈的。
b**********y
发帖数: 7371
6
来自主题: Automobile版 - 求教 轮胎质保问题
轮胎有两种: tread wrranty,road hazard insurance
OEM tires 不是都有, 得查手册
你这情况应该没事,要有的话,也是hazard type
b****n
发帖数: 3343
7
来自主题: Automobile版 - costco轮胎的warranty威武
It should be covered by Costco hazard warranty.
http://tires2.costco.com/RoadHazardWarranty.aspx
All passenger, performance and light truck tires sold through Costco
Wholesale are covered by a 5-year Road Hazard Warranty* protecting customers
against treadwear damage and tire failure.
Without it, LZ's claim would be rejected by Costco.
BTW, Sam's Club has similar warranty if you have them install tires bought
there.
a******o
发帖数: 16625
8
来自主题: Automobile版 - 这样的轮胎还有办法修好吗?
这种只有买了hazard insurance的才可以免费换。Costco的轮胎有免费hazard
insurance,其他店要另外花钱买
a*******g
发帖数: 3500
9
来自主题: Automobile版 - Pirrelli run flat tire Warranty 问题
刚买两个月的x3, 路上压了个钉子,问了两家店都说不能补了,只能换新胎。
网上查了查,因为装的是Pirelli 的run flat tire, Pirelli对RFT有road hazard
warranty,只要车在刚买的一年内,因为road hazard 如果不能补的话,可以免费更换
轮胎。
有没有兄弟 claim过这个warranty
在P家网上看到的是要去Pirelli的dealer去claim,而不是去BMWdealer
a******o
发帖数: 16625
10
来自主题: Automobile版 - Tire Rotation真是力气活。。。。
hazard 一般比较贵,15一个。只有costco是免费提供hazard insurance的。
G********r
发帖数: 3161
11
来自主题: Automobile版 - 请问哪里买轮胎便宜
Sorry,我是外行啊,看了一下是P215/60R16
Walmart给的报价(写了Tax+Fees not included):
1、bridgestone p215/60r16 94h ep422,$96.5, Lifetime Balance $9, Valve Stem
$3, Road Hazard Warranty $10, Total $118.5, Warranty 65,000
2、Goodyear Viva 2 Tire P215/60R16 94T:$85.5,其他都一样,Total $107.5,
Warranty 60,000
http://www.walmart.com/ip/Goodyear-Viva-2-Tire-P215-60R16-94T/2
3、Douglas Performance GT-H Tire P215/60R16 95H,$71.5,其他都一样,Total $
93.5, Warranty 40,000
http://www.walmart.com/ip/Douglas-Performance-GTH-Tire-P215-60R
刚去了... 阅读全帖
H*****u
发帖数: 1766
12
新车road hazard warranty这个价真坑爹,大部分road hazard就是扎钉子,大部分都
能3~20块钱修好。就算换轮子换胎,600刀可以买4个轮子或4个普通轮胎了。
S*******n
发帖数: 10009
13
Costco
$1045+4x$15+Add Road Hazard Program=1105+税
tirerack.com
$1002 + $72运费 + $25x4 安装 + $95.44 Road Hazard=1002+172+95=1269+税.
Costco给以后免费tire rotation, 外面要$20
Michelin - Pilot® Sport A/S Plus
Tire Size: 245/40ZR18 93(Y)
$278.99 each
$1115.96 for set of 4
$70 OFF set of four
Michelin Tires
Valid through 06/11/14
Price$1115.96
Less -$70.00
Your Price$1045.96
Plus $14 installation package and $1 disposal fee per tire. Sales tax and
state eco fees will be reflected at the time of checkout. ... 阅读全帖
H*****u
发帖数: 1766
14
普通胎
A) costco最便宜的,480 + 税 +安装费,含road hazard。
B) DTD挑个不错又有deal的轮胎,350免税 after rebate + 安装费(多花20块钱左右
就终身免费rotation/balance)。不含road hazard,自己花几块钱买至少用5次的
patch kit,路上就自己补好了。tireack上,后者比Costco有更好的review
你选哪个?
y**x
发帖数: 379
15
来自主题: Automobile版 - mini cooper锁车的时候没有声音
找到了
Beep w/lock & unlock
When using the remote to lock/unlock the doors the hazard lights will flash,
and you'll also hear the door lock actuators if you're in a somewhat quiet
environment. We want to enable the audible chirp/beep sound though.
In the owners manual, on page 24-25 it shows how you can choose the "setting
confirmation signals". They show the options being:
A) hazard lights flash
B) an acoustic sound
C) both light and sound (what we want)
D) off - no light or sound
However, when I ... 阅读全帖
a******o
发帖数: 16625
16
来自主题: Automobile版 - costco tire center一问
Costco executive在轮胎上没什么特别,和其他会员一样。
轮胎有tread wear warranty,但是不包括爆胎扎钉子这类问题,这类问题需要hazard
warranty保。Costco的好处是,你买轮胎自动送你hazard warranty。其他店都是要花
钱买的。另外costco的bridgestone和米其林轮流有买四个0ff70折扣,算下来每个轮胎
可以省下25. 他家不好的地方是没有很便宜的轮胎,都是中档以上。但是相同型号轮胎
没有别家比他们更便宜了。
F*P
发帖数: 3204
17
这不是你个人有所谓无所谓的问题。开夜车本来车内就不应该开灯的你不知道么?虽然
不见得是违法。
另外,
http://www.wikihow.com/Drive-at-Night
Be sure to turn off your high-beams when following another car or there
is oncoming traffic. In these cases, the bright light of the high-beams can
distract other drivers, making it harder for them to drive safely.
If you're rounding a corner or going over a hilltop and you start to see
the faint glow of another car's headlights from around the bend, turn your
high-beams off in advance so that the ot... 阅读全帖
A*******e
发帖数: 2419
18
来自主题: Automobile版 - Costco的轮胎保修涵盖正常磨损吗?
这里看到的。5年45k的保修条款。treadwear damage就是正常磨损吗?如果在保修期内
需要因磨损换胎,Costco负责?
Costco Road Hazard Protection
All passenger, performance and light truck tires sold through Costco
Wholesale are covered by a 5-year Road Hazard Warranty protecting customers
against treadwear damage and tire failure. Costco Wholesale will repair or
replace* tires damaged during standard legal vehicle operation.
y******y
发帖数: 207
19
来自主题: Automobile版 - Tesla S 试驾包括auto pilot感受
更正下 锂电池的污染很小,这个似乎出乎许多人意料。
laptop的电池,你可以直接扔掉蓝色垃圾桶,不违法,基本无污染。可以回收, 直接
埋了就可以。
见下:
https://en.m.wikipedia.org/wiki/Lithium-ion_battery
Since Li-ion batteries contain less toxic metals than other types of
batteries which may contain lead or cadmium, they are generally categorized
as non-hazardous waste. Li-ion battery elements including iron, copper,
nickel and cobalt are considered safe for incinerators and landfills.
These metals can be recycled., but mining generally remains cheaper than
recycl... 阅读全帖
T*****g
发帖数: 424
20
来自主题: Automobile版 - 换4个轮胎哪里换划算
相同的一款轮胎,costco算上installation要600到,sears的话相同服务(加hazard
protection)570刀,这个倒是差不多
两个都是life time free rotation & balance
问题是costco听说这俩服务没法预约,考虑到costco人满为患,这俩服务到底能不能用
得上还是个问号,如果没有及时rotation,那么hazard protection就失效了
sears的话应该没那么多,这么算下来sears要划算些
a******o
发帖数: 16625
21
来自主题: Automobile版 - 大家都在哪里买车胎
Hazard 是另外的东西。walmart 22刀的service里含,12刀的不含。
Costco是免费送的。实体店都有lifetime rotation balance
[在 zongzaipiao (飘啊飘) 的大作中提到:]
:这个life rotation balance 是 road hazard warranty 嘛?谢谢
W***n
发帖数: 11530
22
来自主题: Automobile版 - toyota sienna nyc成交价:
2017 Toyota Sienna is piece of Junk
We have been very disappointed with the quality of 2017 Toyota Sienna Van
Powertrain and its workmanship. Van has just 1000 miles on it and it runs
like piece of junk. There is no power and sometimes it becomes very risky on
the road when it start losing its power.
Transmission sucks and it's really hazard for life sometimes when you drive
on speedy road.
We raised the concern with Round Rock Toyota and service the van three time
since bought within two months... 阅读全帖
i***r
发帖数: 6012
23
【 以下文字转载自 Family 讨论区 】
发信人: hazard (hedge2008), 信区: Family
标 题: 37mins to go... Folks, help OSCCF get 500 for today!!!
发信站: BBS 未名空间站 (Sun Oct 25 14:25:52 2009, 美东)
发信人: hazard (hedge2008), 信区: shopping
标 题: 37mins to go... Folks, help OSCCF get 500 for today!!!
发信站: BBS 未名空间站 (Sun Oct 25 14:23:41 2009, 美东)
P****D
发帖数: 11146
24
来自主题: Family版 - 给不想离婚的姐妹们支招:
这个跟社会没有关系,我说的就是在小家里的,参见电影男主人公给他妈钱填补房产生
意窟窿的部分。如果对方故意出轨一次,你原谅了他。那他下次再犯之前,也会想“嗯
,上次老婆原谅我了,这次也会原谅的”,这就叫moral hazard。
这么大的人了,明知出轨是错的事还去做,就是因为有moral hazard给他惯的。这不像
不懂事的孩子,孩子犯了点错误不能打死,得教育到他懂事为止。成年人还明知故犯这
样大的错误,就必须永绝后患。
当然每个人对事物的权重不同,肯定有人觉得无论如何都要维持住婚姻是比较重要的事
情,同时肯定也有部分有自立生活能力的女性不愿意眼里揉沙子。反正希望各家都以自
己的方式过得和谐就好~~
O**e
发帖数: 569
25
来自主题: Food版 - 哪种香料气味浓烈且不贵的
Pantry Pests Management
from http://www.ipm.ucdavis.edu/PMG/PESTNOTES/pn7452.html
Getting rid of food-infesting moths or beetles takes continuous, persistent
effort at removing and cleaning up the infestation, especially if it has
been present for a while. Some pests are capable of living for many weeks
without food; thus the threat of reinfestation exists until they die off or
are killed. It is best, at least for several months after eliminating the
infested products, to store any susceptible f... 阅读全帖
j*********g
发帖数: 2
26
【 以下文字转载自 JobMarket 讨论区 】
发信人: jobdreaming (job and job), 信区: JobMarket
标 题: Perspective PhD at the Georgia Institute of Technology on Intelligent Transportation System (ITS)
关键字: Georgia Tech,CEE,James,ITS,Sensing
发信站: BBS 未名空间站 (Thu May 5 10:24:40 2011, 美东)
RE: Perspective PhD at the Georgia Institute of Technology on Intelligent
Transportation System (ITS) and Innovative Sensing Technology Development
Georgia Institute of Technology (Georgia Tech) is one of the top 4
engineering schools and... 阅读全帖
g*********e
发帖数: 14401
27
来自主题: JobHunting版 - 献上最近两家onsite面经(长!)
最近onsite了两家公司,没有签NDA,今天把面经回忆整理下献上。很长,希望对大家
有所帮助。特别是EE的同学。
Qualcomm QCT HW
先是去QCOM candidate caring center。这里会见到HR,然后问些何时毕业,VISA的问
题。还会告诉你如何打车在不同building之间走。不爽的是HR会在这里问SALARY
expectation,我说expect market price,a competitive number blabla。
HR非要问what it means? 我没办法:you want a number? HR:yes. 我想了5秒:
10w?
HR 脸色一变,开始压价:10w是非常高的数字,这样对其他老员工不公平。
我说这个数字很reasonable啊?HR问你真的不想改了吗?反复问is it a make or a
break? 我最后说9w5。然后说是flexible的,Q的福利好也是优势blabla.
之后HR态度就很冷淡了,问问题也不怎么responsive。
之后是technical面经,有些问题记不起来了
亚裔MM:
... 阅读全帖
S******D
发帖数: 31
28
来自主题: JobHunting版 - job opening in SF
Current job openings
Title: Senior Staff Chemist
Reports To: Mfg Group Leader
Location: San Francisco, CA (UCSF Mission Bay Area)
Innova Dynamics is a rapidly-growing, venture capital-backed nanotechnology
company serving the display and touch screen industry. The University of
Pennsylvania spin-off is based on a far reaching Innlay™ materials
platform that can transform the performance of numerous devices by embedding
nanoparticles into the surfaces of polymers. ... 阅读全帖
i*****o
发帖数: 1
29
Georgia Institute of Technology (Georgia Tech) is one of the top 4
engineering schools and top 3 civil and environmental engineering schools in
the US. We are interested in PhD students, Post-doc students, and visiting
research scholars who are self-motivated and have strong backgrounds in the
following areas:
• Development of intelligent sensing systems using computer vision/
image processing, 3D Laser, and LiDAR technologies.
• Data mining, machine learning for extracting fea... 阅读全帖
j*********g
发帖数: 2
30
RE: Perspective PhD at the Georgia Institute of Technology on Intelligent
Transportation System (ITS) and Innovative Sensing Technology Development
Georgia Institute of Technology (Georgia Tech) is one of the top 4
engineering schools and top 3 civil and environmental engineering schools in
the US. We are interested in PhD students, Post-doc students, and visiting
research scholars who are self-motivated and have strong backgrounds in the
following areas:
• Development of intelligent se... 阅读全帖
h**********g
发帖数: 7
31
2012 Professional Vacancy Announcement – Yellow Sea Fisheries Research
Institute (YSFRI), Chinese Academy of Fishery Sciences (CAFS)
YSFRI, affiliated to the Ministry of Agriculture, People’s Republic of
China, is a comprehensive marine fisheries research institute. Founded in
1947, it is now located in Qingdao, a beautiful coastal city. YSFRI’s
research interests focus on sustainable development and utilization of
marine biological resources, which consists of mariculture, fishery
resources and... 阅读全帖
S******D
发帖数: 31
32
来自主题: JobMarket版 - job openings
Current job openings
Title: Senior Staff Chemist
Reports To: Mfg Group Leader
Location: San Francisco, CA (UCSF Mission Bay Area)
Innova Dynamics is a rapidly-growing, venture capital-backed nanotechnology
company serving the display and touch screen industry. The University of
Pennsylvania spin-off is based on a far reaching Innlay™ materials
platform that can transform the performance of numerous devices by embedding
nanoparticles into the surfaces of polymers. ... 阅读全帖
r*****r
发帖数: 397
33
70* 703. Commission Paid at Settlement $275
8* : $900
901:interestt : $54(2day)
903. Hazard Insurance Premium for 1.0 years to TBD- Estimated : 750
1000 reserves deposited with lender ( 这个是什么咚咚阿?)
1001. Hazard Insurance 2.000 months @ $ 62.50 per month 125.00
1003. City/Town Taxes 11.000 months @ $ 106.03 per month 1,166.33
1005. School Taxes 5.000 months @ $ 273.10 per month 1,365.50
11* title charges : about $1800
12* goverment recording ~$2860
total charges $9500
is this too much? what things
b*********k
发帖数: 335
34
我在CHICAGO, MORGAGE LOAN FOR 250,000
Closing Costs:
800部分:
803 Appraisal $350.00
804 Credit Report $20.00
809 Tax Related Service Fee $80.00
Administration: $500.00
Flood:$12.00
Wire: $17.00
Total: $979.00
1100 & 1200部分:
1101 Closing or escrow fee $750.00
1108 Title Insurance $550.00
1201 Recording Fee $70.00
Total: $1370
Prepaids
901 Prepaid Interest $503.75
903 Hazard Insurance Policy $100.00
total $603.75
Escrows (reserves)
1001 Hazard insuance premium $100.00
1004 Taxes and assessment reserv
x*******1
发帖数: 70
35
来自主题: Living版 - 大家帮忙看看这个closing cost
loan charge to prospect mortgage,llc
mtg ins premium 3631
hazard ins reserve 167
aggregate accounting adjustment 167
hazard ins premium to fidelity national 670
settlement or closing fee to ctc 630
title insurance to ctc 410
document review fee to imb reo llc 75
service fee to escrow stream 60
notary fee
b*******g
发帖数: 418
36
今天问了一个broker,拿了一个GFE,这个broker的公司是我们这儿最大的公司,
closing cost看起来比较干净,但是rate不太好,所以今天没lock rate,大家给点儿
意见吧,谢谢啦。
purchase price: $165000
loan amount: $132000
803 Appraisal $275
804 credit report $25
807 commitment fee $595
1103 Title examination $150
1107 Attorney's fee $375
1108 Title Insurance $425
estimated closing cost $1652
901 Interest for 15 days @ $17.42 $261.3
902 Hazard Insurance Premium $540
1001 Hazard Insurance 3 Mths $135
1004 Property Taxes 5Mths $870.4
Estimated prep
z*p
发帖数: 95
37
买房新手请较一些初级问题.
1) LOAN从开发商Prefered Lender company 和银行(比如BOA, Wells Forgo)借有什么
区别?
2) 我看了别人CLOSEING 的LIST. 乱78糟的费用好多. 就比如说这些:
mortgage insurance premium (HUD MIP) $9800
Mortgage Insurance Reserve $380
Hazard Insurance Premium $1300
Hazard Insurance Escrow $230
为嘛又Reservee, 又Escrow的....是必须吗?
如果loan 不超过417K, 是不是可以不收MIP及Reserve 什么的?
3) 到底是Loan<417K 还是>=25% Down payment 是决定Rate 或MIP 的重用因素.
4) H1 买房. 是8是一定要25%比较好.
之所以在这里问这些(特别是后两个问题)
a********x
发帖数: 1339
38
来自主题: Living版 - 请问:HOA的ASSOCIATION INSURANCE
银行的loan上面写了要Hazard Insurance, 不过房子是townhome有HOA的ASSOCIATION
INSURANCE. 这样的话还需要Hazard Insurance么?
谢谢
l*****7
发帖数: 2844
39
今天跟一个local的loan agent聊了聊
她给了个estimated cost
我们准备买20万的房子,首付4万
1. origination charge
processing fee: 550
underwriting fee: 425
closing coordination fee: 325
appraisal fee: 400 (before closing)
closing /escrow fee: 625
title insurance : 1030
abstract: 150
alta 8.1 and 9: 200
mortgage recording charge: 300
hazard insurance: 375 (3 months)
property tax: 375 (3 months)
hazard insurance insurance premium 125x12= 1500
total = 4030
请问这个charge 合理,正常吗?
h*********w
发帖数: 171
40
loan origination fee 1481.17 (1% charge)
processing fee 350
underwriting fee 800
appraisal fee 425
credit report fee 25.9
closing/escrow fee 395
lender's title insurance 950
mortgage recording charge 151+16.29
hazard insurance reserves 110
county property tax reserves 278.25
daily interest chardes 96.38
hazard insurance premium 660
a*****a
发帖数: 210
41
primary 100,000
bank fees:
application fee 400
lender closing fee 625
third party fees:
closing fee 425
lender's title insurance 50
courier fee-Settlement Agent 40
escrows, impounds and prepaids:
prepaid interest 294.04
Hazard Insurance Premium 445.20
Hazard insurance reserves 158.61
county property tax reserves 993.75
owners title Insurance 443
r****r
发帖数: 701
42
来自主题: Living版 - 这个closing cost合理么
【 以下文字转载自 PHILADELPHIA 讨论区 】
发信人: rwwter (history), 信区: PHILADELPHIA
标 题: 这个closing cost合理么
发信站: BBS 未名空间站 (Fri Apr 29 21:38:25 2011, 美东)
房价总共21万,打算付42000首付
ITEMS PAYABLE IN CONNECTION WITH LOAN
FIRST LIEN SECOND LIEN
$ 390.00 ------------- Appraisal Fee - Paid to Third Party
$ 35.00 ------------- Credit Report Fee - Paid to Third Party
$ 26.00 ------------- Flood Check Fee - Paid to Affiliate
____________________________________________________________________________
_________________________... 阅读全帖
c*******g
发帖数: 1048
43
"Your city or state may require sellers to disclose known environmental
hazards such as leaking underground oil tanks, the presence of radon or
asbestos, lead water pipes, and other such hazards."
我觉得现任房主不一定知道,知道也不一定告诉我,大家是如何查的呀?
虽说是小概率事件,感觉还是查查好。前阵子不是有个地方底下埋的天然气管道啥的爆
了烧掉好些房子
l***i
发帖数: 1943
44
来自主题: Living版 - inspection report...急急急
新手买房子,seller发来了个他们做的inspection report,
看起来有些defect,急着要下offer了,
能请版上的牛人们帮忙分析一下那些是比较重要的问题么?
包子答谢!
defects:
1. Grading & Drainage
Comments: Observed soil / mulch too high in flower beds at rear of dwelling &
detached garage. Recommend repairs, establish proper drainage, and top soil /
mulch should be at least 2” below the siding or brick line and sloped away
from the foundation.
2. Roof Structure & Attic (If the attic is inaccessible, report the method
used to
inspect.)
Comments: Many areas of the ... 阅读全帖
Q***N
发帖数: 2972
45
过户时,买方除了首付(Down Payment),还要准备一次性的大额的过户费用(Closing
Cost).过户费用(Closing Cost)大概要准备多少?其中包括哪些项目?大家都很关心. 过
户费用(Closing Cost)一般是房价的3%左右.不同地区,甚至同一地区的不同交易都有可
能不同. 过户费用(Closing Cost) 主要有下面4部分组成:
1). 贷款费用;
2). 贷款的预收费用;
3). 过户过程中的花费;
4). 政府税收等费用.
贷款费用主要有下面几个部分组成:
1). 贷款手续费 ( Loan Origination Fee);这是给贷款公司的酬劳.因为我本人不做贷款,也
不确定这部分费用可不可以和你的贷款代理人 ( Loan Agent)谈判,获得部分回扣(Rebate); ... 阅读全帖
F*****p
发帖数: 206
46
Correction on Wushe's post
live trees are protected. dead trees are considered hazard - city can give
citation if they find dead tree hazard. Not cutting dead trees is asking for
trouble and will lose in courts of any state.
Wushe talks like a lawyer but provides misleading information, which is
dangerous.
w********g
发帖数: 45
47
来自主题: Living版 - 买房贷款急问【2】
loan agent 给寄来一份表格看到每月应付的除了mortgage 外还有hazard insurance (
100) 和real estate taxes (500). 请问这个都是啥费用呀。网上好像说如果买了home
insurance 这个hazard insurance 就不用买了,对吗? 还有这个real estate
taxes 好像也不是property tax? 那位大牛解释一下。。,这两天就要签了。。,可
是这两项费用不少呀
a****g
发帖数: 3027
48
####################################################
[求推荐律师:San Diego]
####################################################
####################################################
[背景]
####################################################
南加州San Diego. 双方agent都能流利说中文。
出了一个房子offer,是relocation company的, 过程比较简化为: 出了offer并加了一
次价, 对方开始不理,等了三个星期左右说seller motivated to sell,原价count回去
接受了.
接受之前两天左右签了一个addedum,其中有个addedum原文是这么写的
"Purchaser acknowledges a 10-day opportunity to conduct a risk assessment or
insp... 阅读全帖
a******o
发帖数: 1197
49
I found this. It seems consistent with my insurance agent's words. But I'm
not sure if it applies to other states:
Fannie Mae Requirements
The Department received written confirmation that Fannie Mae does not
require the homeowner's insurance policy amount to be equal to the loan
amount. Fannie Mae's guidelines for determining the amount of hazard
insurance coverage are set forth in the Fannie Mae Selling and Servicing
Guides. For any first lien mortgage (excluding a reverse mortgage), required
... 阅读全帖
p******y
发帖数: 3523
50
Estimated Prepaid Items:
Interest for 15 days @ 7.67: $115.05
@@@一般initial的时候都是按15天的利息估的,到closing之前会按照closing date修
改的。一般原则是从closing当天收到下月1日。主要原因是之后一个月不用还钱,第一
个payment due在再下一个月的1日,而所还的钱是closing之后那个月,就是payment
due之前的那个月的月供。
Hazard Insurance Premium: $1200
@@@估计10万的房子不需要这么高的homeowner insurance。第一年的premium会被要求
在closing之前paid in full的,除非LZ那里的closing agent负责去pay,否则应该不
会在closing的时候才收。
Hazard Insurance 3 Months: $300
@@@一般在escrow账户里都会被要求房deposit,但一般来说应该是2个月的,尤其是买
房的case。而且,金额是实际发生的premium/12。
Property... 阅读全帖
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