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Living版 - 银行的appraisal和政府appraisal,你自己的agent appraisal的价格有何不同?请解惑
相关主题
问下 cashout refinance 的 rate需要refinance吗?
Refinance 的 appraisal 是怎么做的?这个利率怎样?refincance 15-yr 3.375 with 800 lender credit
你们看我能做refi吗?请问做refinance还需要准备downpayment吗?
做了refinance,房价涨了不少Provident Funding贷款要求绿卡么?
请问银行难道会在没有appraisal结果之前就给批贷款?房子LTV = 90%如何refinance (转载)
银行估价报告比selling price 低 1万530年利率
Refinance 二问请问关于贷款超过80%,pmi值的算法问题!
loan amount 和 rate 有关系吗?是不是loan 越低rate 越高紧急求助!代款,被骗了
相关话题的讨论汇总
话题: appraisal话题: lender话题: 银行话题: down话题: mean
进入Living版参与讨论
1 (共1页)
t*******g
发帖数: 1518
1
rt thx
r******d
发帖数: 1879
2
county property evaluation has nothing to do with your refinance. It is used
to adjust your property tax.
Only lender can assign the appraiser but not agent. Lender will have some
designated appraisal company for your appraisal, which is the third party to
lender. Lender will has their own appraisal review system to make sure the
appraisal report is reasonalble and valid.
Sometimes you will see that county appraisal value is very high so they ask
you to pay more propery tax but lender's appraisal is low so you have to
pay down more money to them. You know what i mean :)

【在 t*******g 的大作中提到】
: rt thx
b*d
发帖数: 9308
3
政府的估价是用来评估你的tax的,银行的估价是贷款的时候看你能贷到多少钱.

【在 t*******g 的大作中提到】
: rt thx
t*******g
发帖数: 1518
4
thx. Sometimes you will see that county appraisal value is very high so they
askyou to pay more propery tax but lender's appraisal is low so you have
topay down more money to them. You know what i mean :)
Can you explain what you mean by I know what you mean? I dont know what you
mean and thanks for your explanation.

used
to
the
ask

【在 r******d 的大作中提到】
: county property evaluation has nothing to do with your refinance. It is used
: to adjust your property tax.
: Only lender can assign the appraiser but not agent. Lender will have some
: designated appraisal company for your appraisal, which is the third party to
: lender. Lender will has their own appraisal review system to make sure the
: appraisal report is reasonalble and valid.
: Sometimes you will see that county appraisal value is very high so they ask
: you to pay more propery tax but lender's appraisal is low so you have to
: pay down more money to them. You know what i mean :)

t*******g
发帖数: 1518
5
是不是银行股价更接近Market price?那么为什么不先银行股价再大家开始递offer?thx

【在 b*d 的大作中提到】
: 政府的估价是用来评估你的tax的,银行的估价是贷款的时候看你能贷到多少钱.
r******d
发帖数: 1879
6
Every party want to get maxium benefit for themself :)

they
you

【在 t*******g 的大作中提到】
: thx. Sometimes you will see that county appraisal value is very high so they
: askyou to pay more propery tax but lender's appraisal is low so you have
: topay down more money to them. You know what i mean :)
: Can you explain what you mean by I know what you mean? I dont know what you
: mean and thanks for your explanation.
:
: used
: to
: the
: ask

b*d
发帖数: 9308
7
是的,问题是谁出这个appraisal的钱呢?

thx

【在 t*******g 的大作中提到】
: 是不是银行股价更接近Market price?那么为什么不先银行股价再大家开始递offer?thx
m*****n
发帖数: 341
8
"but lender's appraisal is low so you have
topay down more money to them"---如果银行估价低,为何买方需要多出down pay?
迷惑

they
you

【在 t*******g 的大作中提到】
: thx. Sometimes you will see that county appraisal value is very high so they
: askyou to pay more propery tax but lender's appraisal is low so you have
: topay down more money to them. You know what i mean :)
: Can you explain what you mean by I know what you mean? I dont know what you
: mean and thanks for your explanation.
:
: used
: to
: the
: ask

r******d
发帖数: 1879
9
Assuming you don want to buy the MI, the maximum loan amount you can get =
appraisal value * 80%
The lower the appraisal value, the less loan you can get, so the more down
pay you have to pay down to qualify the LTV.

【在 m*****n 的大作中提到】
: "but lender's appraisal is low so you have
: topay down more money to them"---如果银行估价低,为何买方需要多出down pay?
: 迷惑
:
: they
: you

a***e
发帖数: 399
10
你买价100W, 向银行申请贷80W. 银行估价房子60W, 只带给你80%就是48W.中间差32W只
好你自己交cash给卖家。

【在 m*****n 的大作中提到】
: "but lender's appraisal is low so you have
: topay down more money to them"---如果银行估价低,为何买方需要多出down pay?
: 迷惑
:
: they
: you

b*d
发帖数: 9308
11
因为银行能够给你的贷款额要降低.

【在 m*****n 的大作中提到】
: "but lender's appraisal is low so you have
: topay down more money to them"---如果银行估价低,为何买方需要多出down pay?
: 迷惑
:
: they
: you

y******n
发帖数: 8667
12
可以相同也可以不同,可以用相同的规则,也可以用不同的规则。都只能大致反应实际
价格。没什么规律可言的。
k******o
发帖数: 3328
13
如果贷款当然是银行的为主,政府只是给你估计地税的,自己agent是给你出价有个参
考的的

【在 t*******g 的大作中提到】
: rt thx
1 (共1页)
进入Living版参与讨论
相关主题
紧急求助!代款,被骗了请问银行难道会在没有appraisal结果之前就给批贷款?
pmi removal是按那个house value算?银行估价报告比selling price 低 1万5
哈哈,我今天也锁到3.875啦Refinance 二问
refinance question: appraisal came back higherloan amount 和 rate 有关系吗?是不是loan 越低rate 越高
问下 cashout refinance 的 rate需要refinance吗?
Refinance 的 appraisal 是怎么做的?这个利率怎样?refincance 15-yr 3.375 with 800 lender credit
你们看我能做refi吗?请问做refinance还需要准备downpayment吗?
做了refinance,房价涨了不少Provident Funding贷款要求绿卡么?
相关话题的讨论汇总
话题: appraisal话题: lender话题: 银行话题: down话题: mean