G**********9
发帖数: 152 | 1 没看出你说的两个agents有啥不对啊。本来就是生活第一，工作要么是赚钱方式要么是
兴趣所在。只有
苦哈哈只认钱的人才会以为工作第一。人家下班后就是她的私人时间，你要打扰人家是
你不对。何况没
看出她赚了你的钱了，你气个什么？占用了人家的时间精力金钱，还嫌人家，我无语了。
560K |
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s****n
发帖数: 539 | 2 Get this: Real estate transaction in the u.s. is all based on "good
faith", of which if you're lacking, nobody even wants to touch you
whatever you self-claim to be!
560K |
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A*******s
发帖数: 9638 | 3 这个交易你是因祸得福， 避免了5万美元的损失。当然你造成了卖主5万损失。
你的agent没做错， 你退出了， 交易就终止了。
我卖过2次房子， 都是给了第一个offer。 Agent说， 统计表明第一个offer是最好的
， 差一两万就算了。
你要是我的买主， 只能算我倒霉。
不过你最大的错误是查看zillow。 It's over, for good.
560K |
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r*****t
发帖数: 7278 | 4 其实是LZ赚了，就算560K，一年的收益就算只有10%
一年就是56K的盈利了，还只是第一年，以后利滚利。。。。
我就不明白问什么有人去买大房子。。。 |
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x******g
发帖数: 3952 | 5 你还出离愤怒了？你back out的时候有替seller想么？
人家怎么知道跟你继续590k之后你不会再改主意呀？
560K |
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L***s
发帖数: 2944 | 6 你那么喜欢这房子，当初就因为短缺了2万块就退出了？
2万块，最多2个朋友就凑够了。
你这么随便退出，让人家觉得你是个不可靠的买家，
以后人家不联系你，也是理所应当的。
想想，如果人家联系你，你还是不买，或者讨价还价几个月，
卖家就损失大了。
所以，你也不用出离愤怒，任何事情，多站在别人的角度考虑考虑问题，
人生会更平和，更美好。
任何事情的发生，都是有它的理由的。
560K |
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d***y
发帖数: 231 | 7 谢谢回复。
不想OFFER 638K那么高，已经差不多是REGULAR SALE的价格了。
确实是有点喜欢这个
房子，该如何OFFER BACK呢？是加一点点，560K?还是595K呢？新手买房。。对了，这个房子有两个LIENS,其中一个还是BOA.. |
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j***k
发帖数: 2719 | 8 撑!
Mortage (560K/30 yr/4%): $2673.53
Tax: $1200
Utility/cable/heating/yard/water: $500
home/car insurance: $250
transportation/car/gas: $800 - $1000 (1 cheapo car, 2 train monthly passes)
child daycare: $1500
Total fixed cost: $6900 - $7100/month
not sure what percentage of the 200K is bonus, but most likely the average
take home pay after deduction and taxes will be about $10K..
there is only $2800 free spending money left after fixed cost..
it would be very tight for a family of 3... |
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l**t
发帖数: 452 | 9 我不觉得很撑。因为这跟我们当年的参数差不多。我们07年刚生一个，08年初买房，09
年又生一个。当时两个30年贷款，417k - 5.5%, 130k - 7%。 在10年的时候把大贷款
refi到4.5%。现在正在做refi，争取把大贷款做到15年 2.875%。
总的说来基本没觉得撑，日子也就那么过来了。除了09年生孩子，我们每年都回中国，
还有1-2次美国国内旅游。而且07年买的新车35K，09年又买了一个车3万多点。现在两
个车都已经还清了。而且目前的积蓄已经可以把小贷款还清，同时还有足够的应
急。
我们当时看房子的时候，从50万的标准一直涨到70多万。当初下决心买70万的时候，还
一直担心太撑。有朋友也劝我们说，刚开始会觉得紧，但是一旦添置完家具后，就会好
了。事实证明这是对的。
现在分析，当初保守的估计有几个原因。我们的房子的好处是比较新，这几年也就换了
一个空调，4000多，别的没有太大花费。孩子的花费比我们预计的少，并不是有老人带
，而是我们的Daycare和保姆费用比较便宜。现在大的要上公立的PK，又省了一点开支
。还有我们的工资基本上还是在往上涨，这也是与当初的保守... 阅读全帖 |
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r******d
发帖数: 1879 | 11 Pls see quote below:
1. Loan amount 533K, 3.375% for 30 yrs fix, no loan cost
2. Loan amount 560K, 3.5% for 30 yrs fix, no loan cost, with some extra
lender rebate
If the closing cost 6K is for final closing cost including purchase related
cost, then your rate is good enough for this loan amount. If 6K is for loan
related cost, then it will be too much.
Just for your reference |
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s**********a
发帖数: 3273 | 12 贷 $560K. top credit.
7-yr ARM 呢？
谁给个 quote? |
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w*********a
发帖数: 121 | 13 多谢楼上各位回帖。更新一下昨天的戏剧性变化：
我们第一个offer（A),买主撤出了。卖主中介说我们要出listing价（$550K)就给我们,
之前他的counter offer 要$560K。我们看了另一个买主的inspection report, roof
replacing bid, heat/air bid and wood pest report 之后，觉得更想压价了，因为
这是一个sold as-is (前房主约一年前过世，他的trust bank是卖主） 。可是我们的
中介说我们的新价格 $538K “won't fly"。附近一个move-in condition 的list在$
625K刚pending,不过我们offer 的这个lot是其它房子的2倍，back yard 里还有一个后
花园，这也是我们看上她的主要原因之一。
第二个offer(B)的卖主（也是老人过世，5个儿女在卖）回复我们说如果我们从$655K涨
到$680K (listing 从半年前的$799K降到$699K）就卖给我们。
现在突然两个又都available了，大家有没有新建议？
另：也想知道... 阅读全帖 |
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r****t
发帖数: 10904 | 14 记不清楚是06 还是08了，forclose 前的买家是560k 左右买下的 |
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y****w
发帖数: 3747 | 15 1.Loan type: [Owner Occupied]
2. Property type: [single]
3. Property value (estimated):560k
4. Loan amount:440k
5. FICO score (Credit score):770/810
6. Desired loan term: [30 Yr. Fixed]
7. With impound(Escrow): [Yes]
8. Status [Green Card/H1B/Others]:gc
9. Property Zip Code: 19440
thanks~ |
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y****w
发帖数: 3747 | 16 1.Loan type: [Owner Occupied]
2. Property type: [single]
3. Property value (estimated):560k
4. Loan amount:440k
5. FICO score (Credit score):770/810
6. Desired loan term: [30 Yr. Fixed]
7. With impound(Escrow): [Yes]
8. Status [Green Card/H1B/Others]:gc
9. Property Zip Code: 19440
thanks~ |
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j***r
发帖数: 137 | 17 An annual exclusion gift is a gift that qualifies for the $14,000 per person
annual exclusion from federal gift taxes. Married couples can combine their
annual exclusion amounts and gift $28,000 to each person, per year without
incurring any gift tax liability, but any gifts split between the husband
and wife must be reported to the IRS on Form 709, United States Gift (and
Generation-Skipping Transfer) Tax Return. Note that the annual exclusion
from federal gift taxes increased from $13,000 in 2... 阅读全帖 |
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C**T
发帖数: 35 | 18 Long Island 3 beds
Planned Mortgage amount : $560K ( 30 years )
Can anyone please provide some interest information ?
Zip 11753
Thanks a lot. |
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g*******t
发帖数: 1084 | 19 第一次买房子。贷款额是417K， 房价560K。Quote了几个保险公司， 每家给的
Dwelling Coverage 都不一样。从290K 到413K的都有。
这个Dwelling Coverage 应该是多少合适啊？ |
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z*x
发帖数: 144 | 20 1.Loan type: Primary residence
2. Property type: Single Family House /Town House
3. Property value (estimated): 700k
4. Loan amount: 560k
5. FICO score (Credit score): 804
6. Desired loan term: 30 Yr. Fixed / 7ARM
7. With impound(Escrow): Yes
8. Status: /H1B
9. Property Zip Code: 22182
请发送站内，多谢 |
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l******n
发帖数: 347 | 22 what about jumbo loan?
Like 560k-600k loan amount? |
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y***n
发帖数: 6764 | 23 Sold for $560,000: Rarely available tandem parking spots in Back Bay.
Sweeping alley views in exclusive neighborhood, just steps from high-end
Newbury Street shops. Amenities include fully lined asphalt spaces, stains
included. Second space ideal for growing one-car family.
In the end, it came down to a bidding war between two neighbors, who took
the price of two parking spots behind 298 Commonwealth Ave. from $42,000 to
more than half a million dollars -- nearly double the $313,000 median sales... 阅读全帖 |
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PI
发帖数: 116 | 24 奢侈品啊。 这玩意儿得交地税多少？
to
sales |
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s****m
发帖数: 5244 | 25 别想了
像malden这种区，12-14 kenmore 开价520k,现在收了offer 560k等星期一成交呢
降？降个大任给你吧。 |
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p**********u
发帖数: 15479 | 26 【 以下文字转载自 Living 讨论区 】
发信人: jwalk (jwalk), 信区: Living
标 题: Re: 双职工税前18w买70w房子撑么？
发信站: BBS 未名空间站 (Fri Jul 13 13:19:07 2012, 美东)
撑!
Mortage (560K/30 yr/4%): $2673.53
Tax: $1200
Utility/cable/heating/yard/water: $500
home/car insurance: $250
transportation/car/gas: $800 - $1000 (1 cheapo car, 2 train monthly passes)
child daycare: $1500
Total fixed cost: $6900 - $7100/month
not sure what percentage of the 200K is bonus, but most likely the average
take home pay after deduction and taxes will be ab... 阅读全帖 |
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W********i
发帖数: 1115 | 27 you are right. The house was asking 500k. A few days ago, we noticed that
the final price was $560k. we are so surprised someone overbid that much.
Hope they won't regret. |
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W********i
发帖数: 1115 | 28 Well, if you pay $720k, I don't think that is $20k more.......
$40k more.....in my opinion
You probably don't know 72 fairfax. That one was asking $500k. We offered $
525k and didn't get it.
A few days ago, that house was one of the comparable houses on my appraisal
document. We konw its final price was $560k, 12% more than asking price.....
.I would recommend you don't do carzy things like that. |
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W********i
发帖数: 1115 | 29 Well, if you pay $720k, I don't think that is $20k more.......
$40k more.....in my opinion
You probably don't know 72 fairfax. That one was asking $500k. We offered $
525k and didn't get it.
A few days ago, that house was one of the comparable houses on my appraisal
document. We konw its final price was $560k, 12% more than asking price.....
.I would recommend you don't do carzy things like that. |
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i********n
发帖数: 60 | 30 Property Type：Single Family
Loan Amount: 448k
Property's Market Value: 560k
Credit Score: 800
primary residence
有绿卡
另外除了利息，办理贷款有手续费吗？ |
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i********n
发帖数: 60 | 31 Property Type：Single Family
Loan Amount: 448k
Property's Market Value: 560k
Credit Score: 800
primary residence
有绿卡
另外除了利息，办理贷款有手续费吗？ |
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C**T
发帖数: 35 | 32 Long Island 3 beds
Planned Mortgage amount : $560K ( 30 years )
Can anyone please provide some mortgage rate information ?
Zip 11753
Thanks a lot. |
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s****s
发帖数: 2163 | 33 TAX, 700,
pg&e utility... don't know. but rent or buy you need to pay that.
water, 40,
garbage 40.
mortgage 560K, assume 5%, $3000/month. (700 principle, and $2300 interest)
From the above, in first year, $700 property tax and $2300 interest are tax
deductible. which means $3000 tax free money. assume 1/3 tax bracket.
You are paying $2780 out-of-pocket for own |
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l**t
发帖数: 10440 | 35 学区太烂，这个价卖不出去的，下一个buyer估计也得砍到$6x万
狠的再砍一刀,560k买走.能从list price又砍掉6万,agent还是很牛的. |
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p***e
发帖数: 1318 | 36 agent 很牛的话还砍价? 不让你加个20%就不错. 除非agent自己是buyer.
flip house得靠自己. 买房子也一样. nobody in the right mind should rely on
the agent to determine the price of the house...
狠的再砍一刀,560k买走.能从list price又砍掉6万,agent还是很牛的. |
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r****o
发帖数: 3918 | 37 不太明白， 看照片都是有家具的
难道flip连家具一起卖？
狠的再砍一刀,560k买走.能从list price又砍掉6万,agent还是很牛的. |
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t*******3
发帖数: 734 | 38 我们房子6月10号close的。 去年大概8月份， 我们收到了一封信， 上面写的tax alue
是48.3万。
去年12月底assessor给我们来了一封信， 叫我们给他们打电话。
我们1月份给他们打电话。 他们就跟我说我们的房子sale price太低了。 他们的估价
是56万。 要我们补交一些tax。 然后等了一个月。 2月初给我们寄了一封信。 就是
Notice ofSupplemental Assessment。
上面写的就是这个。
Base value of this year: $560,000
Taxable value on roll: $483,000
Amount of this supplemental Assessment: $77,000
是不是这就是说把我们税基给重新设置到了560k？非常感谢。 |
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x********u
发帖数: 1118 | 39 假设$560k loan, LTV 60%, credit score 760+. |
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f*****d
发帖数: 2285 | 40 目前在一家大银行贷的7arm。利率3%
考虑换成30fix，现在还有3.375%的30 fix 吗？
目前贷款额大约560K |
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g******e
发帖数: 222 | 41 560k, appraisal ~950k（估计）,7/1 arm,credit score~800, greencard
站内联系 |
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m*******y
发帖数: 314 | 42 Occupancy： Primary
Property Type： SFH
Loan Amount: 560k
Property's Market Value: 1.7M
Credit Score: 750+
Status: Green Card
Thanks a lot. |
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I*******g
发帖数: 7600 | 43 Occupancy： primary home
Property Type： townhouse
Loan Amount: 323K
Property's Market Value: 560k
Loan Term: 7ARM, 30 year/15 year
Credit Score: around 729
GC
Thanks |
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k*******8
发帖数: 2320 | 44 Loan type:Owner
Property type: SFH
Property value (estimated): 1M
Loan amount: ~560k
Credit score: 780+
H1B
30 fixed, 15 fixed or ARM 7
多谢！ |
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b*********y
发帖数: 830 | 45 30yr fixed or 15fixed or 7-ARM
credit score 800+
status: Green Card
loan amount: 560k
LTV: 47% |
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H***a
发帖数: 506 | 46 refinance 贷款560k，primary residence，credit score 760+，求5/1 arm refin 利
率. 谢谢。 |
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f****D
发帖数: 4745 | 47 来自主题: SanFrancisco版 - 求利率 560k总价 townhouse，20%首付，自主，信用790+ ，利率多少？
购买 非refinance |
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G****g
发帖数: 405 | 48 how about high balanced loan (super confirming)between 471k and 560k? |
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J****h
发帖数: 623 | 49 Positive. Seattle medium is 700k, mortgage lets say at 80%, so 560k loan
down property tax 1% at 7k. This is for new mortgage only. I would see more
people abandon Silicon Vallay to move to Seattle. Did I mention Washington
has no state income tax? |
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