j********d
发帖数: 157 | 1 恳求置顶 for better visibility！Sorry for writing in English, but it shall
be ready for posting on other websites. I also posted this as a reply to a
post “refinance appraisal太低(88b)” , which led me to write this.
I want to promote the idea of changing the way who pay appraisal fees and
how appraisal is done. Here is the proposal: simply use a computer based
method without fees to determine the current market value of houses (like in
applying a Home equity line of credit), this will eliminate the a |
w*******g
发帖数: 9932 | 2 哦? 你可以不交appraisal啊. 让你的agent cover. 当然羊毛出在羊身上. 利率高一点
而已
.
a
in
【在 j********d 的大作中提到】
: 恳求置顶 for better visibility！Sorry for writing in English, but it shall
: be ready for posting on other websites. I also posted this as a reply to a
: post “refinance appraisal太低(88b)” , which led me to write this.
: I want to promote the idea of changing the way who pay appraisal fees and
: how appraisal is done. Here is the proposal: simply use a computer based
: method without fees to determine the current market value of houses (like in
: applying a Home equity line of credit), this will eliminate the a
|
b*a
发帖数: 17670 | 3 不可能
这要是都能做，那些什么underwriting,document,等苛捐杂税都应该银行出。
a
in
there
5
to
another
the
same
than
value
indeed
credit
now
,
【在 j********d 的大作中提到】
: 恳求置顶 for better visibility！Sorry for writing in English, but it shall
: be ready for posting on other websites. I also posted this as a reply to a
: post “refinance appraisal太低(88b)” , which led me to write this.
: I want to promote the idea of changing the way who pay appraisal fees and
: how appraisal is done. Here is the proposal: simply use a computer based
: method without fees to determine the current market value of houses (like in
: applying a Home equity line of credit), this will eliminate the a
|
j********d
发帖数: 157 | 4 Good point - 羊毛出在羊身上! And if the loan is not closed, the homeowner
will be forced to pay the appraisal fees, a net loss. Neither banks or
homeowners gain anything in this, except who do the appraisal for a living
by earn your money and sometimes, screw your refinance . Of course, the
bank may think this is good for them, if so, why not homeowners ask them to
pay it and take the risk of $300-400 loss if the loan is not closed for any
reason.
Is there a channel to bring this to the attention of |
w*******g
发帖数: 9932 | 5 I don't think it is possible at all. Someone has to pay for the appraisal.
If you want to get rid of anything, I think the extradinarily high
commission
of agents is the first thing to go.
to
any
banks
【在 j********d 的大作中提到】
: Good point - 羊毛出在羊身上! And if the loan is not closed, the homeowner
: will be forced to pay the appraisal fees, a net loss. Neither banks or
: homeowners gain anything in this, except who do the appraisal for a living
: by earn your money and sometimes, screw your refinance . Of course, the
: bank may think this is good for them, if so, why not homeowners ask them to
: pay it and take the risk of $300-400 loss if the loan is not closed for any
: reason.
: Is there a channel to bring this to the attention of
|
z*********n
发帖数: 94654 | 6 actually the appraisal process prevented some bubbles from happening last
year when there were 8k tax rebate.
lots of houses in so cal was very hot. Price was easily raised. But bank
wont' appraise for the selling price, so the transactions had to abort...
【在 w*******g 的大作中提到】
: I don't think it is possible at all. Someone has to pay for the appraisal.
: If you want to get rid of anything, I think the extradinarily high
: commission
: of agents is the first thing to go.
:
: to
: any
: banks
|
j********d
发帖数: 157 | 7 可能不可能? 如果 HOMEOWNER不捍卫自己的利益，不在乎~￥2000，就不可能！
如果 HOMEOWNER捍卫自己的利益，就可能！很多东西是争取来的（GROUP WORK
TOGETHOR ＦＯＲ A COMMONＩＮＴＥＲＥＳＴ）． |
j********d
发帖数: 157 | 8 Human-based appraisal is not much better than a computer based method, which
could still prevent bubbles in your example without spending some $300-400.
【在 z*********n 的大作中提到】
: actually the appraisal process prevented some bubbles from happening last
: year when there were 8k tax rebate.
: lots of houses in so cal was very hot. Price was easily raised. But bank
: wont' appraise for the selling price, so the transactions had to abort...
|
w*******g
发帖数: 9932 | 9 If your computer program proves to be fairly robust in some tests that
involving
comparison with human judgment, perhaps it can be accepted some day. Still
it is not going to be easy.
which
400.
【在 j********d 的大作中提到】
: Human-based appraisal is not much better than a computer based method, which
: could still prevent bubbles in your example without spending some $300-400.
|
b*d
发帖数: 9308 | 10 我的客人的Appraisal fee我来出。
【在 w*******g 的大作中提到】
: If your computer program proves to be fairly robust in some tests that
: involving
: comparison with human judgment, perhaps it can be accepted some day. Still
: it is not going to be easy.
:
: which
: 400.
|
|
|
w*******g
发帖数: 9932 | 11 exactly.
【在 b*d 的大作中提到】
: 我的客人的Appraisal fee我来出。
|
j********d
发帖数: 157 | 12 Will be happy to support your effort to reduce commission rate if you want
to initate!
Why not ask bank to pay the appraisal if they want it? Of course, maybe it
is not an issue for these who are rich that $300-400 is nothing.
There are so many who is taking homeowner's hard-earn money for some stupid
reasons like appraisal. If homeowners don't stand up to stop some, who will?
【在 w*******g 的大作中提到】
: I don't think it is possible at all. Someone has to pay for the appraisal.
: If you want to get rid of anything, I think the extradinarily high
: commission
: of agents is the first thing to go.
:
: to
: any
: banks
|
z*********n
发帖数: 94654 | 13 not true
不亲眼看房子，没法appraisal的，数据是数据，实际状况是实际状况
否则大家还看房子干啥，直接网上看了数据就买得了
which
400.
【在 j********d 的大作中提到】
: Human-based appraisal is not much better than a computer based method, which
: could still prevent bubbles in your example without spending some $300-400.
|
j********d
发帖数: 157 | 14 Banks uses computer program for HELOC. Of course, either bank or homeowner
can still hire someone later if they want, again, who order it should pay it
also.
I agree - it would be easy, but everything has a start. So far most
response seems to be happy paying $300-400, which in my opinion, for a
report that is not much better than a computer program run that cost ~$0.
For this reason, I am sad if most of you are homeowners. Of course, if many
of you are in appraisal profession, I understand
【在 w*******g 的大作中提到】
: If your computer program proves to be fairly robust in some tests that
: involving
: comparison with human judgment, perhaps it can be accepted some day. Still
: it is not going to be easy.
:
: which
: 400.
|
j********d
发帖数: 157 | 15 In your professional opinion, will it be better off for banks and homeowners
to start with a computer-based appraisal, then order a human-based
appraisal only when one or both party want to have an second look?
Actually, the questions come down to two:
1. Generally, is it a waste to spend $300-400 on appraisal every time?
2. Who should pay this $300-400 if it has to be spent?
Thanks,
【在 b*d 的大作中提到】
: 我的客人的Appraisal fee我来出。
|
z*********n
发帖数: 94654 | 16 in theory, 两房直接retail，中间大家谁也别赚钱了，Home owner肯定能拿到最低利
率，中间少了多少人啊
美国就这样，中间人生意一直很兴旺，美国的经营模式一直就这样的，啥东西都一堆中
间人，消费者的羊毛大家一起剪。要想改变我觉得很难啊。这是美国各行各业的一个根
本经营方式
homeowners
【在 j********d 的大作中提到】
: In your professional opinion, will it be better off for banks and homeowners
: to start with a computer-based appraisal, then order a human-based
: appraisal only when one or both party want to have an second look?
: Actually, the questions come down to two:
: 1. Generally, is it a waste to spend $300-400 on appraisal every time?
: 2. Who should pay this $300-400 if it has to be spent?
: Thanks,
|
j********d
发帖数: 157 | 17 Ｗｅｌｌ ｓａｉｄ， ｚｈａｎｇｌａｏｓａｎ！
Ｗｈａｔ ｓｕｒｐｒｉｓｅｄ ｍｅ ｉｓ ｔｈｅ ｒｅｓｐｏｎｓｅ， ｆｒｏ
ｍ ｍｏｓｔｌｙ ｈｏｍｅｏｗｎｅｒｓ ｏｒ ｆｕｔｕｒｅ ｈｏｍｅｏｗｎｅ
ｒｓ ｉｆ ｍｙ ａｓｓｕｍｐｔｉｏｎ ｉｓ ｃｏｒｒｅｃｔ． Ｓｅｅｍｓ
ｍｏｓｔ ａｒｅ ｈａｐｐｙ ｔｏ ａｃｔ ａｓ ｓｈｅｅｐ ａｎｄ ｈａ
ｖｅ ｔｈｅｉｒ 羊毛 ｃｕｔ ｂｙ ｂａｎｋｓ ａｎｄ ｏｔｈｅｒｓ．
Ａｎｄ ｗｈｅｎ ｔｈｅｒｅ ｉｓ ｏｎｅ ｓｈｅｅｐ ｗａｎｔ ｔｏ ｃｈ
ａｎｇｅ （ｆｏｒ ｔｈｅ ｉｎｔｅｒｅｓｔ ｏｆ ｔｈｅ ｓｈｅｅｐ ｇｒ
ｏｕｐ）， ｍｏｓｔ ｏｔｈｅｒ ｓｈｅｅｐｓ ｔｈｉｎｋ ｈｅ／ｓｈｅ ｉ
ｓ ａｎ ｉｄｏｔ， ｉｎｓｔｅａｄ ｏｆ ｂａｃｋｕｐ ｔｈｅ ｅｆｆｏｒ
ｔ， ｎｏｔ ｓｐｅａｋｉｎｇ ｏｆ ｗｏｒｋｉｎｇ ｔｏｇｅｔｈｅｒ ｆｏ
ｒ ａ ｃｏｍｍｏｎ ｉｎｔｅｒｅｓｔ － ａ ｒｅｍｉｎｄｅｒ ｏｆ ｓ
ｏｍｅ ＬＵＸＵＮ＇ｓ ａｒｔｉｃｌｅ！ Ｔｉｍｅ ｃｈａｎｇｅｓ ａ ｌｏ
ｔ －ｂｕｔ ｈｕｍａ
【在 z*********n 的大作中提到】
: in theory, 两房直接retail，中间大家谁也别赚钱了，Home owner肯定能拿到最低利
: 率，中间少了多少人啊
: 美国就这样，中间人生意一直很兴旺，美国的经营模式一直就这样的，啥东西都一堆中
: 间人，消费者的羊毛大家一起剪。要想改变我觉得很难啊。这是美国各行各业的一个根
: 本经营方式
:
: homeowners
|
b*d
发帖数: 9308 | 18 到时候我们又成了两房的雇员了。
【在 z*********n 的大作中提到】
: in theory, 两房直接retail，中间大家谁也别赚钱了，Home owner肯定能拿到最低利
: 率，中间少了多少人啊
: 美国就这样，中间人生意一直很兴旺，美国的经营模式一直就这样的，啥东西都一堆中
: 间人，消费者的羊毛大家一起剪。要想改变我觉得很难啊。这是美国各行各业的一个根
: 本经营方式
:
: homeowners
|
j********d
发帖数: 157 | |
j********d
发帖数: 157 | 20 Help 顶 - 顶 : http://www.mitbbs.com/article_t/Living/31767381.html
"Eliminate appraisal fees in refinance or purchase loans"
and post where you think it can be read by other homeowners including
Americans as the major homeowners. |
|
|
s**********d
发帖数: 36899 | 21
是啊，网上不就是个瞎猜吗，房子什么状况，有没有upgrades都看不到。
【在 z*********n 的大作中提到】
: not true
: 不亲眼看房子，没法appraisal的，数据是数据，实际状况是实际状况
: 否则大家还看房子干啥，直接网上看了数据就买得了
:
: which
: 400.
|
N**D
发帖数: 2885 | |
j********d
发帖数: 157 | 23 不好意思，自己顶一下. I hope not to be lonely soon! |
j********d
发帖数: 157 | |
