a***n 发帖数: 370 | 1 湾区short sale的房子,最后的closing cost要1万3,怎么这么多啊?
1,orignation charge 2300
2,appraisal fee 762
3,Title service and lender's title 2,700
4,Owner's title insurance 1820
5,Government recording charge 150
6,Tansfer taxes 2500
7,Initial deposit for your escrow account 1,920
8,Daily interst charges 793
9 Homeowner's insurance 500
最后是1万3千5左右,这里有哪些可以让银行waive掉的吗,大家帮忙看看,谢谢! |
a****r 发帖数: 4965 | 2 找个不收 Orignation Fee/Charge 的 Loan,就省下不少。
另外,房价多少,贷款多少,closing cost 和房价/贷款有很大关系。
【在 a***n 的大作中提到】 : 湾区short sale的房子,最后的closing cost要1万3,怎么这么多啊? : 1,orignation charge 2300 : 2,appraisal fee 762 : 3,Title service and lender's title 2,700 : 4,Owner's title insurance 1820 : 5,Government recording charge 150 : 6,Tansfer taxes 2500 : 7,Initial deposit for your escrow account 1,920 : 8,Daily interst charges 793 : 9 Homeowner's insurance 500
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U********n 发帖数: 471 | 3 好象owner's title insurance是optional的 |
g*****9 发帖数: 4125 | 4
Depending on how long you plan to stay in this house, it might save you
money to pay this fee to get a lower interest rate.
This is optional
This is still your money, just transfered from one place to another
This is related to the closing date you pick.
You can shop around to get a better deal, maybe together with your car
insurance
Other items are pretty much fixed, you have to pay.
【在 a***n 的大作中提到】 : 湾区short sale的房子,最后的closing cost要1万3,怎么这么多啊? : 1,orignation charge 2300 : 2,appraisal fee 762 : 3,Title service and lender's title 2,700 : 4,Owner's title insurance 1820 : 5,Government recording charge 150 : 6,Tansfer taxes 2500 : 7,Initial deposit for your escrow account 1,920 : 8,Daily interst charges 793 : 9 Homeowner's insurance 500
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y******n 发帖数: 8667 | 5 那个transfer tax应该是seller付的吧? |
n******l 发帖数: 4407 | 6 really?can anybody else know it ?
thanks
【在 y******n 的大作中提到】 : 那个transfer tax应该是seller付的吧?
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t**s 发帖数: 1393 | 7 这个不能一概而论,不同的地方有不同的 convention。有的地方还有相应的法律条
款。
例如我们这里是这样:
1) for non-first-time home buyers,trx tax will be equally paid by seller and buyer, 50%-50%;
2) for first-time home buyers,the seller should pay all trx tax (by law), unless the seller and buyer set up another agreement to override this。
所以,就 2) 而言,首次购房者可以根据法律要求 seller 配所有的 trx tax,但是对好卖的房子而言,很少人会这么做,而是根据惯例,各配 50%。为什么呢,因为 seller 此时通常不会 ratify the contract。
当然,如果 seller 房子卖不出,first-time home buyer 自然可以要求 seller 支付所有的 trx tax |
A**M 发帖数: 332 | 8 if I am not wrong, buyer need to pay half of it. as first time home buyer,
you can have 0.25% discount
【在 n******l 的大作中提到】 : really?can anybody else know it ? : thanks
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t**s 发帖数: 1393 | 9 appraisal fee 762 is too high. |
t**s 发帖数: 1393 | 10 4,Owner's title insurance 1820 |
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t**s 发帖数: 1393 | 11 8,Daily interst charges 793 |
b********3 发帖数: 994 | 12 正解。origination fee那要这么多,500-700就不错了。
你拿到的quote是最新的GFE,也就是说origination fee是不用disclose的。
【在 a****r 的大作中提到】 : 找个不收 Orignation Fee/Charge 的 Loan,就省下不少。 : 另外,房价多少,贷款多少,closing cost 和房价/贷款有很大关系。
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b********3 发帖数: 994 | 13 怎么说呢,如果是2-4unit,这个价是不错的,但如果只是1unit,那这个price太高。
【在 t**s 的大作中提到】 : appraisal fee 762 is too high.
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b********3 发帖数: 994 | 14 差不多。还是看哪个州了。
NJ/NY基本都是seller 付
【在 n******l 的大作中提到】 : really?can anybody else know it ? : thanks
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b********3 发帖数: 994 | 15 这个绝对不能waive。不用想了
【在 t**s 的大作中提到】 : 4,Owner's title insurance 1820
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t**s 发帖数: 1393 | 16
why? basically lender's can not be waived, owner's is optional.
【在 b********3 的大作中提到】 : 这个绝对不能waive。不用想了
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c*****r 发帖数: 2608 | 17 我在MD,刚看到我的closing cost,1.3万,比自己预想的要多。打电话过去,说还少算
了1千。
对比一下
1. 955
2. 415
3. 2100
4. not included
6. 3150
8. 1000
9. 3750
【在 a***n 的大作中提到】 : 湾区short sale的房子,最后的closing cost要1万3,怎么这么多啊? : 1,orignation charge 2300 : 2,appraisal fee 762 : 3,Title service and lender's title 2,700 : 4,Owner's title insurance 1820 : 5,Government recording charge 150 : 6,Tansfer taxes 2500 : 7,Initial deposit for your escrow account 1,920 : 8,Daily interst charges 793 : 9 Homeowner's insurance 500
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m*****u 发帖数: 19562 | 18 what is Owner's title insurance for? Didn't purchase agreement garauntee the
title is clean?? |
o****d 发帖数: 1346 | 19 我觉得这个钱不能省,还是应该买的.
purchase agreements don't garantee the title.
the
【在 m*****u 的大作中提到】 : what is Owner's title insurance for? Didn't purchase agreement garauntee the : title is clean??
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g*****9 发帖数: 4125 | 20 No, they are also buying a policy to cover their end.
the
【在 m*****u 的大作中提到】 : what is Owner's title insurance for? Didn't purchase agreement garauntee the : title is clean??
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