c*******r
发帖数: 2012 | 1 一般有三种可能做0 cost。
1. broker帮你贴，你的情况是完全可以的，金额合适，broker赚的足够，为了竞争他贴一些
。这种中国broker更愿意做低价竞争。
2. broker把cost打一部分到总额里，总额增加。
3. broker把cost打一部分到点子里，用高点的利率来cover closing cost。
你得理解是对的，我只是提醒你不要忘记看总额，不能完全相信broker的诚实。不过无论哪种情况最终都会体现在月供的多少上。所以货比三家月供低就是最终目标。 |
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p******y
发帖数: 3523 | 2 买房的cost比做refi的时候高。
一般客人自己付cost可以拿到尽量低的rate。有些rate可以credit一些钱出来，不过，
基本不可能cover所有的cost。
不同州的rate也不尽相同。 |
|
p******y
发帖数: 3523 | 3 不是所有州都提供no cost refi的。有些州cost比较高，根本做不了no cost。另外，
华人代理大都更了解所谓no cost refi。洋人代理基本没有。 |
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z****i
发帖数: 1174 | 4 刚收到银行那边发过来的贷款资料。买了一个十来万的小房子，一local小银行给的利
率是30年fixed 3.75%, closing cost: 2451.15。 我比较不明白的是怎么除了这些
closing costs, 还有一个$2521.05的 prepaid items??? 这是什么啊，怎么从来没听
大家说过！ 我把具体的charge给发上来，请大家帮忙瞧瞧
Estimated Closing Costs:
Processing fee: $50
Underwriting Fee: $450
Appraisal Fee: $450
Credit Report Fee: $35
Tax service Fee: $80
Flood Certification: $12
Title Examination: $250
Final Abstracting: $275
Settlement Fee-Borrower: $125
Owner’s title Insurance: $100
Title Insurance: $380
Recording fee-Deed: $15
Rec... 阅读全帖 |
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b********2
发帖数: 5191 | 5 那就要看是不是把税和escrow算做closing cost了, 一般我们不把这些算在closing
cost之内.
closing cost和很多因素有关, 只说一个百分比没有什么意义. 比如说在加州的
Alameda county, buyer付很多closing cost. 但在santa clara county, 都是seller
来付的. |
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b******k
发帖数: 2321 | 6 目前就找了一家银行做preapproval,他们顺便提供了这个closing cost estimate,各位
老手觉得如何？他家给的rate也不错似乎 30yr fix, 3.5% 要是closing cost也靠谱我
们也不想再到处找了 呵呵
loan costs:
1> origination fee: $0
2> points: $0
3> appraisal fee: $360
4> credit report fee: $10
5> tax service fee: $87
6> application fee: $395
7> processing/underwriting fee: $595
8> third party courier: $35
9> flood certification: $11
10> settlement/closing fee: $800
11> title search: $180
12> lenders title insurance: 1368
13> owners title insurance: 1665 (银行说这个是卖主出)
1... 阅读全帖 |
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p******y
发帖数: 3523 | 7 buyer agent给的rebate只能用于close，不能超过总的closing cost。LZ应该还有一些
要预存到escrow account里的钱吧，那些也可以用buyer agent的rebate。
有人帮LZ pay closing cost，当然选尽量低的rate了，为什么还要take高的rate呢？
lender 给的credit总额也不可以超过closing cost+ prepaid items.也就是说基本两
边都说给credit，合起来也不能超过 closing cost+ prepaid items. lender credit
超过的部分就被lender收回去了，buyer agent给到rebate如果超了，lender会要求降
房价的。 |
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p******y
发帖数: 3523 | 8 一般来说cover lender fee， appraisal fee，title相关费用， 和government
recording fee的refi就是no cost refi。
如果帮LZ做refi的是lender 或者是corespondent lender, 那么大部分情况下，cost会
在closing的时候结算清楚。
如果帮LZ做refi的是broker，那么可能会出现LZ说的后退钱的现象。
建议LZ让agent书面承诺会退回是所有cost，最好能说明具体cost的数额或项目。清清
楚楚，对双方都好。 |
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o*****p
发帖数: 5952 | 9 closing cost depends on lender cost, escrow cost, title cost. |
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s*******y
发帖数: 69 | 10 最近正在请代理帮我们做no-cost refinance，因为是同学推荐的代理，
所以就放心地由代理全权负责各种手续，自己基本不动脑子，马上就要
签最后的协约了，才发现有好多问题不是我想象得那样，请大家帮我
解答一下我的困惑，非常感谢。
我现在是做30年重新贷款，原来利率是4.5%，现在是3.5%，目前还欠贷款
额是20万，由于房价贬值厉害，最新apprasial价值只值22.5万，所以我
必须再追加2万元首付才能重新贷款（满足20%首付要求）。
我的理解是，既然是no-cost refinance,
那我是不是只需要多交这2万元首付就可以了，其他的closing cost我都
不用出？可是代理给我的单子上却清楚地写着要我补交$21300元
才可以close。这多出来的$1300则作为estimated pre-paid items.
如果加上之前做apprasial的$480，也就是说我一共需要额外付出$1780元
作为closing cost，这与我之前想像的不用花一分钱差去甚远。我在email里
问了几次代理，他都没有回复我。请大家帮我解疑一下，是我理解错了还是
代理骗我？ |
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s*****l
发帖数: 242 | 11 是的。其他cost我们是不能share的，也是就说退一步即便是我们来share cost，也是
要把这个报价itemize，或者重新quote，就是延长fence，把2家面向证明的一点点
fence和门相应往前移动的价格，这个价格才能split。
我的想法是，我们确实没有很大incentive去延长这个fence啊，我不想split钱啊。他
家因为需要patio的空间大一些，才要延长fence的，而且他也承认了。
我就想我如果不split cost，当然我也不会挪门，我家后院侧园保持现状，是不是很WS
。有必要为了所谓邻里关系，非得来split这个cost了吗？ |
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d********1
发帖数: 1698 | 12 that daily rate has cost for closing, what i get is without cost.
do you know what is the difference?
for example, 3.375 with cost or 3.55 without cost, which one is better? |
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s********y
发帖数: 3811 | 13 so does no-cost refinance really have no cost? or cost is wrapped into the
new loan? if it is really no-cost, why do lenders bother to do refinance for
customers? |
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c**********e
发帖数: 1184 | 14 There is usually a tradeoff between buying points for lower rate and a no-
closing cost loan with higher rate. For example, if the loan amount is $400K
and program is 30-year fixed, compare two scenarios below:
1. If rate is 4.125% with no cost, monthly payment will be $1,938.60.
2. If rate is 4%, you will probably pay $3,000-$4,000 cost to get the lower
rate. Let's assume it is $3,000. Then your loan amount would be $397K, and
monthly payment will be $1,895.34.
1938.60 - 1895.34 = $43.26. 3000/... 阅读全帖 |
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I*********e
发帖数: 65 | 15 No Cost Refinance，客户最终要付的就三项，您可以最后按照这个确认：
1.新loan amount和旧loan amount之间的差 （假设新的比旧的少，如果贷的反而多了
，当然就是你要拿到的钱）
2.银行提前reserve的escrow account里面的钱，出现在最后settlement statement（
HUD-1）中1000项
3.Prepaid Interest，银行预收的利息，出现在最后settlement statement（HUD-1）
中900项
这三项是跟此次refinance没关系的，您做不做都会要交的钱，所以不算做cost，就盯
准这三项，其他项不管多少其实没必要细究了，您不需要付。所以no cost倒也不是说
您在最后一分钱都不出，有些时候还是会要付一些主要是escrow的钱。如果真的一分钱
不拿的，那很大可能不是cash out了就是roll over cost to your loan amount. |
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t**d
发帖数: 6474 | 16 对，不管rate有多高，但是不要cosing cost，甚至要lender给你付closing cost，几
个月后你可以refinance，利率差别也就就是几百块钱的样子，跟closing cost比不值
得一提。
不但让lender付closing cost，还用ARM，这样利率会很低的。
refinance |
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z*********n
发帖数: 94654 | 17 世界上没有免费的午餐，refi的cost本来就不低，所谓no cost就是把这些cost折进去
了啊
如果折进去以后折算下来的利率合算就是合算，对于你，把lender想成black box，你
管他们内部怎么计算呢，反正最终输出就是你不出钱，拿到了那个利率的贷款，你觉得
合算就是合算
如果你的agent把cost给你加到本金里的话，你这是被黑了，呵呵 |
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E**********l
发帖数: 264 | 18 这个我是在具体算来着，有cost和0 cost如果利率差0.375%的话，我的每月还贷差别是
$110左右，每年是$1300左右。如果利率差0.25%的话，每月差别$74,每年差900左右。0
.25%的这个好像还很难拿到。
所以利率差0.375的话closing cost够抵5年，利率差0.25的话够抵7年，如果这房子自
己用的时间超过7年的话，付了这个cost也就不算亏了。 |
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E**********l
发帖数: 264 | 19 谢谢你的分析。这里再问一个初级的技术问题
第一次贷款和refi的0-point 0-cost的利率是不一样的吗？或者说，refi的时候如果能
no cost，就可以直接享受初次贷款的带closing cost的利率？
cost |
|
o****d
发帖数: 1346 | 20 但为什么所有的loan都有这句，credit不能超过allowable closing cost.
If you are receiving a Credit Towards Closing Costs please be advised that
it cannot exceed the allowable closing costs associated with the loan. In no
instance will you receive cash or have the credit applied to any other
charges disclosed that are not identified as allowable closing costs。 |
|
h*****w
发帖数: 8561 | 21 真正的0 COST当然是自己一分不出,上面那些人都是在乱说,我刚做的REFI,还倒赚了几
百,因为银行免了我们的APPRAISAL FEE
AGENT自然不是慈善家,他们也是要赚钱的,银行给他们的抽头一般按照利息多少来付,他
们大概用50%拿来COVER你的COST,所以一般0 COST利息都偏高,我选了15年3%,要是2.75%
就有COST了. |
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l****u
发帖数: 1764 | 22 【 以下文字转载自 TAX 讨论区 】
发信人: laoqiu (老Q), 信区: TAX
标 题: 请问买房的closing cost抵税的问题
发信站: BBS 未名空间站 (Tue Dec 13 13:52:46 2016, 美东)
现在做的调查时closing cost里面interest的部分和property tax的部分可以当做
exemption 抵税，fee不能抵税。但买房的时候向seller和agent要了些credit用来付
closing cost，那么这一部分不是我们自己付的部分的closing cost还可以用来抵税么
？ |
|
B***6
发帖数: 787 | 23 一直听人说closing cost是由卖方出。这几天正积极准备给一个中意的房子下个offer
，但卖方突然提到要求我来负责一半的closing cost，即房子卖价的3%。我有点糊涂了
，不知道这边钱到底是不是该我出？如果让我出的话，最终我所花的钱要超过好几千刀
，感觉有点不太对劲。哪位老大给指点一下？另外这个closing cost到底包含些什么项
目？还有个问题是该怎么判断一个中介的好坏？
除了买房子的价格和closing cost外，还有没有其他的费用呢？十分感谢！ |
|
发帖数: 1 | 24 LOAN Broker和我们说的是做NO CLOSING COST的贷款，并且银行还有500刀的credit，
但是今天发来LOAN ESTIMATE上面并没有注明是NO CLOSING COST，也没有看到有些
LENDER CREDIT或者SELLER CREDIT。
请问做过NO CLOSING COST的同志这个正常吗，我从BROKER那里除了口头协定有没有什
么文件可以证明这是一个NO CLOSING COST LOAN的？ 多谢！ |
|
发帖数: 1 | 25 1）要知道closing costs 包括哪些项目。
2) 要知道No Cost 是指 Lender的Credit和以上费用相抵消为零。
3) 要知道LE和最后的Closing Disclosure有少许的调整。
4）要知道CD上需反映出 Closing Costs的金额。
5) 要明白所有贷款都有Closing Costs。 |
|
e*z
发帖数: 1678 | 26 是 按照最早买入的cost 计算还是 平均cost
比如 buy 100 at price X
buy 100 at price Y later
sold 150 at price Z
这150 股的 cost 是 （X*100+Y*50）/150
还是 （X*100+Y*100）/200 ?
另外如果这样交易很多的话，有什么自己跟踪这些cost的软件么？感觉手动跟踪很容易
乱掉
|
|
d******8
发帖数: 1972 | 27 CNN) -- A rogue trader has cost UBS an estimated $2 billion, the Swiss
banking giant announced Thursday, revealing what could be the third-largest
loss of its kind in banking history.
A $2 billion rogue trading loss would be all but unprecedented, market
analyst Ralph Silva told CNN.
"We have only had three or four other situations... in the billions, and
that is exactly what happened," he said.
The bank is large enough to take a $2 billion hit, experts said. Shares in
UBS were down 11% on the U... 阅读全帖 |
|
z****n
发帖数: 3189 | 28 你去cost买一转，再去wmt买一转，就知道了
: 要捞也是捞wmt 捞什么cost
: Costco已经没故事可讲了
: ：躺着中枪。不是COST的错。基本面没有变。本身WFM也没有多大的规模，对
COST 没有
: 任何的威胁。
: ：现在是10%的打折，买入的好机会。
|
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A***X
发帖数: 132 | 29 零售店，大家多去逛逛就是知道该买哪个了。
TGT，GROCERY不如WMTKR，家具、服饰、玩具不如专业店、电子产品不如BBY，很多东西
比WMT贵不少。我去KR还能去加个低价油，去WMT大半夜饿的话还能去买点吃的，TGT唯
一的所谓“优势”，就是吃定了手里有点小钱的白中产女人，这种白女人觉得WMT东西
“质量不好”、“档次低”，TGT东西“质量好、档次相对高”而已。对于其他客户群
，没有任何吸引力，我去转几圈，都是空手。
COST就不说了，你去一趟，加个便宜油，没事给车换个轮胎机油，顺带买了一周的菜，
捎带几瓶红酒，出门吃个PIZZA，有些能算的家庭主妇再拿点CASH BACK，我看不出AMZN
收购WFM能对COST短期内有威胁。就很多单个品类，红酒采购量COST是全美第一，这行
业的壁垒AMZN收购WFM就能打破？
KR厉害的还是食物品类和加油。总有人喜欢便宜的油，基本达到SAM'S CLUB和cost加油
站的水平。而且KR的GROCERY还是比WMT品类多且全。
至于DEPARTMENT STORE，还是TJX，谁也玩不过它。。 |
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L******y
发帖数: 87 | 30 To claim business start up costs, 有一些条件：
例如： E-commerce business---- you have to make sure that your website is up
& running, even though there was no income in 2008, it should be fine to
claim your start up costs on your 2008 return.
otherwise, it is better to claim start up costs on your 2009 return with
some business income.
如果你还没有注册,那么只能 claim business start up costs on Sch C. |
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L********n
发帖数: 930 | 31 Yes, PERM 一定需要单位给付, 但 140, 485 可以个人支付. See link below:
http://counsel.cua.edu/fedlaw/lpr.cfm
1. PERM (Labor Certification Application): Under the DOL's new rules, the
employer (i.e., college) must bear the costs associated with the preparation
and filing of a PERM application with the DOL including, but not limited to
, the advertising costs and attorney's fees (in most situations).
2. I-140 Immigration Petition for Alien Worker: There is no legal obligation
for the employer to pay any costs as... 阅读全帖 |
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g****e
发帖数: 349 | 32 By Mustafa Shafawi | Posted: 27 July 2010 1708 hrs
Photos 1 of 1
iPhone 4
SINGAPORE: Apple's iPhone 4, which will be available in Singapore from
Friday, will cost up to S$630.
What you end up paying depends on the two-year price plan you take up
with the phone.
The 32GB model will cost S$360 at both M1 and SingTel with a S$56
monthly price plan.
Over at StarHub, it will cost S$380 with a S$58 monthly plan.
The device will cost you the most - at S$630 - if you a |
|
b***b
发帖数: 13249 | 33 科普：
500 deposit 就是预先交的appraisal fee，mortgage broker lock 利率是不要 cost
的， cost 是 appraisal fee. 有些mortgage broker怕客户跑掉，就要求先交这个
deposit， 其实就是appraisal fee.
No closing cost loan 是由 mortgage broker 来 Cover appraisal fee 的， 如果他
们真心给我像承诺的那样是 No-closing cost loan， 就不会后来找我要 appraisal
fee.
不熟的人当然收 Deposit, 但是如果熟人肯定在她那里做的，是可以先不交 这个
deposit的，反正也不会跑，反正以后还是 Mortgage broker cover. 不先要Deposit就
是个方便，反正到时候他们得付的。
有Mortgage broker利用deposit来捆绑“abuse”客户，我所知道的有两例， 但是就不曝光了。
看来我要考个Mortgage license 了。 |
|
g******4
发帖数: 6339 | 34 Jan. 24, 2012
Pension costs that are draining Illinois’ budget could be shared by local
school districts.
The idea seems to be gaining steam among top Democrats, including Illinois
House Speaker Michael Madigan, who gave a rare, hour-long speech at Elmhurst
College Tuesday morning to talk about the challenges facing Illinois.
"We’ve got huge budget problems in this state. Why? Well, number one, there
was overspending in the past and many people engaged in the overspending.
It wasn’t just one or... 阅读全帖 |
|
g******4
发帖数: 6339 | 35 Jan. 24, 2012
Pension costs that are draining Illinois’ budget could be shared by local
school districts.
The idea seems to be gaining steam among top Democrats, including Illinois
House Speaker Michael Madigan, who gave a rare, hour-long speech at Elmhurst
College Tuesday morning to talk about the challenges facing Illinois.
"We’ve got huge budget problems in this state. Why? Well, number one, there
was overspending in the past and many people engaged in the overspending.
It wasn’t just one or... 阅读全帖 |
|
t****n
发帖数: 324 | 36 The interest paid between the close date and the end of month is the hidden
cost for each No Point No Cost mortgage refinance.
Say your new loan closes on 5th of the month. Then interest paid on the
remaining 25 days is the hidden cost because it has no contribution to the
principal and the interest towarding to the principal. |
|
S****e
发帖数: 931 | 37 在阿拉米达县，是否由买家出？
若买家代理给1%回扣，还会不会cover this closing cost?
如果买家代理和贷款经济不是同一人，贷款经济会不会cover this closing cost?
纯粹由买房产生的closing cost，和贷款产生的closing cost，有何区别？
多谢。 |
|
K******g
发帖数: 1870 | 38 里面有一项 statement fee和recording fee总共是80块，agent说是付给我原来的
lender的手续费，这个必须要自己出。请问版上所说的no fee no cost包括这一项吗？
根据agent提供的closing cost详细清单，总共有96块的结余，但是不包括appraisal和
credit report的500块（此前我自己用信用卡付了），agent写了张check给我，但是扣
除了closing cost结余的96块。那结果就是我自己出了那80块的手续费。
我觉得，既然开始就说是no fee no cost，那我不应该出那80块。这种情况是不是
reasonable的呢？
多谢了。 |
|
m****a
发帖数: 1257 | 39 只要有股票买卖，不管是啥目的，是你自己卖的还是公司帮你卖
cover tax的，broker都会报告给IRS。
以你的例子，今年broker会报告IRS你的帐户里卖了40股。
比如明年你卖了剩下的60股，broker就明年报告那60股。
你是有义务在你的税表中报告这些交易的，即使gain/loss=0.
你不报告的话，有可能IRS不理会这个失误，但很可能会让你
补充说明。
今年开始，很多broker做的比较缺德的事情是，把这些交易的
cost报告给IRS为0.
你在填税表的时候，就得注意找出真正的cost.
这个在broker交易明细账里很容易找到。
然后填税表的时候填正确的cost, 正常情况下你的收益应该是
负的(broker fee,比如$20).你可以把这个作为lost抵你其他的
股票收益。
如果你傻呼呼的填cost为0，你就会为同一笔收入交两次税了。 |
|
发帖数: 1 | 40 去年有250股本公司股票granted并卖掉，没有持有一年
Granted 250
vested 250
released 250
Sellable tax status: 0 paid at vest
cost basis $10 (example)
Taxes Paid $1100 （example)
250股其实拿到手的只有140股，剩下的110股交税了 （$110x10=$1100)
这样卖掉这140股，比如说是11块卖掉的，赢利 140x 11=1540 （忽略各种broker fee)
现在需要为这$1540收入报税，请问它的总的 cost basis是多少呢？
是vest时交的税$1100？
还是cost basis x 拿到手的股数 10 x140 =1400
还是cost basis x 总股数 10 x 250 = 2500
还是 0?
万分感谢 |
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H***2
发帖数: 44 | 41 Energy giant Chevron will eliminate about 1,500 job positions in an effort
to cut costs, the company said in a statement Tuesday.
The cuts, which will take place across 24 business groups in its corporate
center, will result in cost reductions of about $1 billion.
"In light of the current market environment, Chevron is taking action to
reduce internal costs in multiple operating units and the corporate center,"
Chevron said, in the statement. "These initiatives, which are currently
underway, are... 阅读全帖 |
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n*****m
发帖数: 9872 | 42 你这个operation cost的注解，非常不make sense啊，容易造成误解
顾名思义，operation cost，就是营运成本，应该包括办公，差旅，工资，税务等等一
系列的营运开支吧。慈善机构也是一种机构，要运作这个机构有上述的费用也属正常
至于你说的劳务费，应该属operation cost的一部分，或者单列，看你怎么定义了。慈
善机构的commission有没有，怎么算，那就都不清楚。但可以肯定的是，commission绝
对不应该和operation cost划上等号。 |
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c******k
发帖数: 8998 | 43 【 以下文字转载自 Military 讨论区 】
发信人: snowfish888 ($Player$), 信区: Military
标 题: These muffins cost $16 each.
发信站: BBS 未名空间站 (Wed Sep 21 10:24:50 2011, 美东)
WASHINGTON (Reuters) - As the U.S. government grapples to find ways to trim
the bloated federal deficit, a new report suggests officials might start
with cutting out $16 muffins and $10 cookies.
"We found the Department (of Justice) spent $16 on each of the 250 muffins
served at an August 2009 legal conference in Washington," said a DOJ Office
of Ins... 阅读全帖 |
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r******y
发帖数: 3838 | 44 http://www.appleinsider.com/articles/11/03/13/inside_apples_ipa
_than_tegra_2.html
The new A5 processor used by iPad 2 incorporates Samsung's new 46nm Low
Power DDR2 memory, uses a
variable clock speed and costs about $25, a significant premium over NVIDIA'
s competing Tegra 2.
According to research performed by UBM TechInsights, Apple's larger A5 (12.
1mmx10.1mm, compared to
the 7.3mmx7.3mm A4) costs about $25 to build, making it $10 more expensive
than similar dual core
chips such as the Tegra... 阅读全帖 |
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l****z
发帖数: 29846 | 45 你这里lower than 70% 是指lower than 70% standard cost还是怎么样呢?
我遇到的BOM cost都是指standard cost, 所以我觉得从理论上说,不可以凭BOM cost大
小来判断.当然, 还要看上下文的意思. |
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j******g
发帖数: 200 | 46 【 以下文字转载自 CPA 俱乐部 】
发信人: juanyong (ly), 信区: CPA
标 题: 问个关于bond issue cost的journal entry
发信站: BBS 未名空间站 (Thu Jan 5 14:38:56 2012, 美东)
对于buyer来说， journal entry 如下：
Cash 920
Bond issue cost 50
Discount on Bond 30
Bond Payable 1000
对于seller这个应该怎么记呢？bond issue cost 要不要记在investment里面？
这样对吗？
Bond investment 970
cash 970
还是不算cost
bond investment 920
cash 920
想不明白了。。。。
哪位给指点一下？ |
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m*******s
发帖数: 469 | 47 Cost-Effectiveness Analyst/Programmer II/III (AD-23358)
About Us
Fred Hutchinson Cancer Research Center, home of three Nobel laureates,
is an independent, nonprofit research institution dedicated to the
development and advancement of biomedical research to eliminate cancer
and other potentially fatal diseases. Recognized internationally for its
pioneering work in bone-marrow transplantation, the Center’s four
scientific divisions collaborate to form a unique environment for
conducting basic and ... 阅读全帖 |
|
L****a
发帖数: 572 | 48 Yes, installation cost is a big problem. It's not like module, you can
reduce cost by economy of scale. That's why I always suspect that solar
panel cannot achieve grid parity at the end. I do not have a specific number
for installation cost. I roughtly remember it's still larger than $2/W.
Anybody have the data of the current installation cost ? |
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b********n
发帖数: 38600 | 50 http://www.bloomberg.com/news/2014-09-24/obamacare-website-cost
The federal government’s Obamacare enrollment system has cost about $2.1
billion so far, according to a Bloomberg Government analysis of contracts
related to the project.
Spending for healthcare.gov and related programs, including at the Internal
Revenue Service and other federal agencies, exceeds cost estimates provided
by the Obama administration, the analysis found. The government’s most
recent estimate, limited to spending on co... 阅读全帖 |
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