m*******0 发帖数: 61 | 1 问了两家银行,都收大约1%的origination charge。这个是常规么?
听说直接找银行贷款比找broker要稳妥,是这样吗? |
r******d 发帖数: 1879 | 2 银行收你的钱,你还替他们说好话?
Most brokers will cover your purchase/refinance loan cost, including the
loan origination charge. |
a******e 发帖数: 36306 | 3 就是让你买一个point
【在 m*******0 的大作中提到】 : 问了两家银行,都收大约1%的origination charge。这个是常规么? : 听说直接找银行贷款比找broker要稳妥,是这样吗?
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m*******0 发帖数: 61 | 4 是lender fee,不是point,不减rate的
是听agent说broker中间良莠不齐,容易在closing的时候有麻烦。想着直接找银行是不
是能省心些。
【在 a******e 的大作中提到】 : 就是让你买一个point
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a******e 发帖数: 36306 | 5 可能不同的lender叫法不同?我找的一个给我的什么good faith estimate就有这个,
我就问她,这个就是拿来买point的巴,我不需要买point,她就给我挪走了,然后rate
涨点。。。
【在 m*******0 的大作中提到】 : 是lender fee,不是point,不减rate的 : : 是听agent说broker中间良莠不齐,容易在closing的时候有麻烦。想着直接找银行是不 : 是能省心些。
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Q******i 发帖数: 551 | |
m*******0 发帖数: 61 | 7 谢谢各位的回复。
Origination charge 跟point 可能是不同的吧。我拿的一个表格里这两项都有列出来。
两者倒是都可以deduct tax。
rate
【在 a******e 的大作中提到】 : 可能不同的lender叫法不同?我找的一个给我的什么good faith estimate就有这个, : 我就问她,这个就是拿来买point的巴,我不需要买point,她就给我挪走了,然后rate : 涨点。。。
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a******e 发帖数: 36306 | 8 http://abcnews.go.com/GMA/Business/story?id=1704406&page=1
不管是mortgage broker还是seller/buyer agent,他们都是职业骗子
来。
【在 m*******0 的大作中提到】 : 谢谢各位的回复。 : Origination charge 跟point 可能是不同的吧。我拿的一个表格里这两项都有列出来。 : 两者倒是都可以deduct tax。 : : rate
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m*******0 发帖数: 61 | 9 谢谢阿。那个link不错,各种各样的fee都解释到了。
【在 a******e 的大作中提到】 : http://abcnews.go.com/GMA/Business/story?id=1704406&page=1 : 不管是mortgage broker还是seller/buyer agent,他们都是职业骗子 : : 来。
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a******e 发帖数: 36306 | 10 嗯,那个文章下面的评论就很能说明问题
【在 m*******0 的大作中提到】 : 谢谢阿。那个link不错,各种各样的fee都解释到了。
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b*d 发帖数: 9308 | 11 我也成了骗子了...
【在 a******e 的大作中提到】 : http://abcnews.go.com/GMA/Business/story?id=1704406&page=1 : 不管是mortgage broker还是seller/buyer agent,他们都是职业骗子 : : 来。
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a******e 发帖数: 36306 | 12 唐俊说,能骗所有的人也是成功
【在 b*d 的大作中提到】 : 我也成了骗子了...
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g*****9 发帖数: 4125 | 13 Not 必须.
Mortgage broker does not work for free, they usually make 1% of the loan
amount.
This 1% can come from 2 places, you can pay him as a origination fee, or he
make it from back end by offer you a higher rate.
origination fee paid to broker is not tax deductable, prepaid interest to
buy down the rate is tax deductable. Although they both achieve the same
result (usually 1 point=1 percent of the loan amount will help lower 0.25%
interest rate), they are not the same thing when you file taxes
【在 m*******0 的大作中提到】 : 问了两家银行,都收大约1%的origination charge。这个是常规么? : 听说直接找银行贷款比找broker要稳妥,是这样吗?
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e***y 发帖数: 400 | |
m*******0 发帖数: 61 | 15 刚刚在IRS网站上看到说“Points also may be called loan origination fees,
maximum loan charges, loan discount, or discount points”(http://www.irs.gov/publications/p530/ar02.html)
那是不是说orignination fee也能deduct tax?
看到别的网站里也常常将这两项相提并论:
http://wiki.answers.com/Q/How_should_one_claim_loan_origination_fees_and_loan_discount_fees_when_filing_for_tax_returns
另:穷人都是自己做tax的。
should
【在 g*****9 的大作中提到】 : Not 必须. : Mortgage broker does not work for free, they usually make 1% of the loan : amount. : This 1% can come from 2 places, you can pay him as a origination fee, or he : make it from back end by offer you a higher rate. : origination fee paid to broker is not tax deductable, prepaid interest to : buy down the rate is tax deductable. Although they both achieve the same : result (usually 1 point=1 percent of the loan amount will help lower 0.25% : interest rate), they are not the same thing when you file taxes
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g*****9 发帖数: 4125 | 16 Read the second bullet point in the your house payment section of the IRS
link you provided.
loan origination fees is not tax deductible.
If you itemize, (you cannot take the standard deduction). Then home mortgage
interest (including prepaid) is tax deductible.
Although they both measure by point (1 point is 1 percent of the loan), they
both can lower interest rate same for you, but they are not the same as far
as IRS is concerned.
穷人都是自己做tax的, sorry I can not provide tax advice since I am not
【在 m*******0 的大作中提到】 : 刚刚在IRS网站上看到说“Points also may be called loan origination fees, : maximum loan charges, loan discount, or discount points”(http://www.irs.gov/publications/p530/ar02.html) : 那是不是说orignination fee也能deduct tax? : 看到别的网站里也常常将这两项相提并论: : http://wiki.answers.com/Q/How_should_one_claim_loan_origination_fees_and_loan_discount_fees_when_filing_for_tax_returns : 另:穷人都是自己做tax的。 : : should
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