h********e
发帖数: 1130 | 1 请教一下 no cost closing refi贷款额度的问题
假设 old loan blance = 300k
for the new loan
1) escrow account $5k
2) interest of that one month $1k
3) closing cost $4k, but agent will rebate back $4k after closing. so it's $
0 here
Question for new loan amount. I want 300k, but agent ask me to go with 305k
if I go with 305k, that means I will bring cashier check (5k+1k+300k-305k)=
1k
if I go with 300k, then (5k+1k+300k-300k)=6k
我觉得增加贷款额度好像是有利的， 不用一下多拿出5k. 不好的地方是以后要多出这
5k的利息？
多谢指教 | m********s
发帖数: 55301 | 2 给国内打电话，让他们把钱汇过来。
$
305k
【在 h********e 的大作中提到】
: 请教一下 no cost closing refi贷款额度的问题
: 假设 old loan blance = 300k
: for the new loan
: 1) escrow account $5k
: 2) interest of that one month $1k
: 3) closing cost $4k, but agent will rebate back $4k after closing. so it's $
: 0 here
: Question for new loan amount. I want 300k, but agent ask me to go with 305k
: if I go with 305k, that means I will bring cashier check (5k+1k+300k-305k)=
: 1k
| c*****4
发帖数: 900 | 3 no cost refinance如果不是cash-out的话，保持新loan的额度和现有balance一样最好
，不要增加额度
$
305k
【在 h********e 的大作中提到】
: 请教一下 no cost closing refi贷款额度的问题
: 假设 old loan blance = 300k
: for the new loan
: 1) escrow account $5k
: 2) interest of that one month $1k
: 3) closing cost $4k, but agent will rebate back $4k after closing. so it's $
: 0 here
: Question for new loan amount. I want 300k, but agent ask me to go with 305k
: if I go with 305k, that means I will bring cashier check (5k+1k+300k-305k)=
: 1k
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