r******d
发帖数: 1879 | 1 There are many angents on this board. You can check around.
You need to get the pre-approval from agent to see how much loan you are
qualifed, based on your down payment, credit score, visa status, house type
(SFR, PUD or condo), agent can let you know the rate and programs. |
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r******d
发帖数: 1879 | 2 The loan amount you can borrow will depend on your down payment and DTI (
Debts to Income Ratio). The rate you can get will also related with your
house type (SFR, PUD or Condo), credit score, loan amount, visa type....etc
Usually appraisal value for new purchase is similar as purchase price. |
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t*****e
发帖数: 3544 | 4 fee simple, PUD, Condo 才是有法律效力的term. 所谓的有没地全凭 seller 忽攸。
理论上condo也是有地的。只不过是每家有多少分之一的整个社区的占地 instead of
100% of 你的房子下面的地。例如整个社区占地10亩，有100个单位，如果是Condo
Townhouse，老实的seller会写common lot 或0 地，但seller lists 每个单位0.1亩也
是合法的。只有明确写了 lease land 才是没地的，每个月要交lot rent。realtor 那
的资料都会写清楚的。
银行不愿意做condo不是因为地，而是liability，condo property 不光跟房主有关，
跟整个社区的人都有各种各样的关系。 |
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r******d
发帖数: 1879 | 8 综合以上的问题集中回答一下：
1. 销售人员称房子是独立房， 但是感觉title也许会是PUD. 这个要再确认下。
2. 房子大小在1700尺喝2200尺之间， 户型不是很大。 3 or 4 bed rooms, 2.5 or 3.
5 bathrooms.
3. 样品房会在2/20以后对外开放。 |
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r******d
发帖数: 1879 | 9 综合以上的问题集中回答一下：
1. 销售人员称房子是独立房， 但是感觉title也许会是PUD. 这个要再确认下。
2. 房子大小在1700尺喝2200尺之间， 户型不是很大。 3 or 4 bed rooms, 2.5 or 3.
5 bathrooms.
3. 样品房会在2/20以后对外开放。 |
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s*****m
发帖数: 8094 | 10 是pud的th么？不然和condo没大区别
分） |
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z********e
发帖数: 253 | 13 哪位给个中文翻译。
http://www.mercurynews.com/immigration/ci_25505076/affirmative-
Affirmative action debate create rifts in ethnic communities
The backlash by Chinese-American activists against a measure aimed at
restoring affirmative action in the admissions process at California's
public universities has set off political fisticuffs between ethnic groups
accustomed to battling side-by-side.
In a state where Latinos -- most of whom support SCA5, the proposed
constitutional amendment -- are about to bec... 阅读全帖 |
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s*********3
发帖数: 2890 | 14 这种情况往往是lot比较小，但是还没有小到enough to create the HOA.譬如说有些
4000～5000 尺lot的PUD。 虽然CC&R明文规定不许这个，不许那个，但是因为没有HOA
，没有人具体管事，所以实际监督有限。邻居实在有事情要compalain 的话， 大概只
能找市政府了。 |
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h*********n
发帖数: 915 | 15 Town house 和condo光从建筑结构上有时很难区分， 特别是现在新房流行造Town
House style condo。主要的区别是在legal上， 要看产权报告来确认。
请教哪个产权报告上有明确信息，说明是condo还是pud？ |
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s*********3
发帖数: 2890 | 16 这种情况往往是lot比较小，但是还没有小到enough to create the HOA.譬如说有些
4000～5000 尺lot的PUD。 虽然CC&R明文规定不许这个，不许那个，但是因为没有HOA
，没有人具体管事，所以实际监督有限。邻居实在有事情要compalain 的话， 大概只
能找市政府了。 |
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h*********n
发帖数: 915 | 17 Town house 和condo光从建筑结构上有时很难区分， 特别是现在新房流行造Town
House style condo。主要的区别是在legal上， 要看产权报告来确认。
请教哪个产权报告上有明确信息，说明是condo还是pud？ |
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k***a
发帖数: 2400 | 18 prelim report上没有townhome.
A 1-unit home is either classified as a single family residence, condominium
, cooperative, manufactured home, or PUD.
A townhome is just a description of how it looks & feels. |
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s*******r
发帖数: 592 | 19 报告上zoning code是PD，这个和PUD一样么
condominium |
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R**********1
发帖数: 236 | 20 我们做过很多新建房的买卖，PUD也有，一个月close的也有。您这个time frame还好，
不是说那么紧，不过换lender的话也要赶快开始了，还来得及，也应该能够按时close。
您的builder的lender所说的“final document只有builder的lender才能拿到”应该是
指Loan document，Certificate of Occupancy以及最后的appraisal completion
report。Loan docs基本上close之前7-10天就应该可以拿到了，Certificate of
Occupancy即使是close之前一天拿到都行，给lender做一个funding review就好。
Appraisal Completion Report的话，房子close之前一星期会通utility，让appraiser
去照几张照片，第二天report就能出来。
买的新房，9/30 close escrow.
Builder的agent当然想让我选builder自己的lender，之前的pre-approval也是用
builder的l... 阅读全帖 |
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p******8
发帖数: 5 | 21 Foster City 和 Redwood Shores stop sign 的柱子都能看到土壤沉降的严重。
下面是一个老美agent 的评论，文章似乎有一点年头了:
http://johnfyten.com/cities-neighborhoods/redwood-city/
Redwood Shores
A huge bayside neighborhood east of Belmont, not contiguous with Redwood
City and having little in common with it—it’s even served by a different K
-8 school district, Belmont-Redwood Shores. Like Foster City, the Shores is
built entirely on fill. In the old days this area was home to the city dump
and later a theme park, Marine World. The fir... 阅读全帖 |
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k****8
发帖数: 127 | 22 attached single family home 是从外观结构上讲的， 就像townhome， prelim
report上都没有这些type。
prelim report上一般residential home的type只有single family home, PUD和condo。 |
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t**8
发帖数: 4527 | 24 THIS IS A "PUD" OWNERSHIP |
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n******n
发帖数: 12088 | 25 condo不是PUD
之前的帖子解释的很清楚了。
墙。 |
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e**********0
发帖数: 502 | 26 以前在大农村，这三个东西区别明显。
现在来湾区，发现好多都混在一起。
尤其是condo和TH，到底定义的区别是啥？有的明明看着和TH一样，但是按照condo算，
有的TH布局还不如旁边社区的condo，但是也算是TH。
TH有的有PUD,有的没有
上下有没有住人？好多按照TH卖的上下住人。
有没有attached garage？
不过最坑的有一次，有个房子明明townhouse的样子，非说虽然看上去share wall，其
实里面是两个wall，wall和wall之间有缝隙，所以是SFH。 |
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s*********3
发帖数: 2890 | 27 TH vs Condo 只是建筑上的区别，不能光用门牌号码来区分. Condo你已经搞清楚了对
吗？ 那么对你所说的TH只有两种情况了：一种还是condo，尽管上下都是你的。 另一
种是PUD，你有地,lot面积就比你的building占地大不了多少，即使有一点小小的yard
，你也干不了什么，有HOA盯着你呢。不能加建，也不能扩建，有时候也叫 attached
home。一定要区分究竟是哪一种就只有看title report了。还不清楚吗？ |
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e**********0
发帖数: 502 | 28
yard
多谢
所以其实th不算是一种房屋类型法律上的概念，只是房屋的构造，具体区分要么condo
，要么PUD，要么detached也有可能 |
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v****g
发帖数: 72 | 29 所以pud是除sfh和之外是一种独立的存在么？ |
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r******d
发帖数: 1879 | 30 you need to send more information for quote.
House type (SFR,PUD or condo)
House market value
visa status
Programs you are interested in |
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S********e
发帖数: 620 | 31 Please PM below info to me for rate quotation:
1. Loan type:Owner Occupied/Investment/secondary home
2. Property type: SFH, Condo, PUD
3. Property value (estimated):
4. Loan amount:
5. FICO score (Credit score):
6. Desired loan term: 30 Yr. Fixed or 7ARM/5ARM
7. With impound(Escrow):
8. Status [Green Card/H1B/Others]:
9. Property Zip Code: |
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S********e
发帖数: 620 | 32 这几年交通房也贵.
townhome, townhome style, condo, Title上都是属于condo( 少数townhome是PUD).
一般townhome style上下没有住户.condo可能有... |
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f*******s
发帖数: 153 | 33 Loan: ~59.7万
LVT＜70%
Credit score: 750+
TH (PUD)
多谢！ |
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r******d
发帖数: 1879 | 34 来自主题: SanFrancisco版 - 求贷款利率 You have to provide more detailed information in order to get accurate quote:
1. House type: SFR, PUD or condo
2. Is this primary living or investment
3. House market value
4. your visa status
5. your FICO score
thanks |
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m**********j
发帖数: 610 | 35 PUD, ~1.1m, 贷款 ~860k
2个人贷款，一个H1b 一个OPT，信用分都是790以上，需要把OPT的收入算进去作为co
applicant，OPT今年不会转为H1b
希望no point no fee能做到2.8以下，现在是7 ARM 3.0
请站内 |
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g*******a
发帖数: 30 | 36 买自住房，成交价580K，首付31%，贷款400K，PUD，求30年贷款利率
谢谢！ |
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r******d
发帖数: 1879 | 37 Need more details for the accurate quote:
1. House type: SFR/PUD/condo
2. primary or investment
3. house market value
4. credit score
5. visa status |
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r******d
发帖数: 1879 | 38 来自主题: SanFrancisco版 - 求贷款利率 1. Purchase loan or refinance
2. SFR, PUD or Condo
3. house market value
4. credit scores
5. visa status
need more detail information for the rate quote |
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l********y
发帖数: 73 | 39 loan amount: 528k
asset value: 670k, townhouse (pud)
credit score: >740
location: north san jose, 95132
request: 7 arm or 30 yr fixed |
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b**x
发帖数: 42 | 40 那个neighborhood是不错的
从地图上看要去离92近了点，要自己去感受一下。
有HOA应该是因为那是个有设施（golf course)的PUD。
要说硬伤的话，这个大概算：对2M的房子来说0.16的lot太小了 |
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d**********n
发帖数: 46 | 41 Purchase price: 1.36M, PUD
Loan: 1.02M
Credit Score: 780-800
7/1 or 5/1 no point no fee rate.
Thanks! |
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s*******a
发帖数: 348 | 42 这个房子应该是Condo ownership,有HOA fee $117, 和EL Camino Real上的那些PUD新
房,是不能推倒重建的。
on |
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v****g
发帖数: 72 | 44 同求refinance rate.
primary residency
PUD, zillow上现在home value~=1.15M
刚付了一年, remaining loan <827k
credit >740
想问30 year fixed 或者7 arm, no fee no cost的。 |
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v****g
发帖数: 72 | 45 同求refinance rate.
primary residency
PUD, zillow上现在home value~=1.15M
刚付了一年, remaining loan <827k
credit >740
想问30 year fixed 或者7 arm, no fee no cost的。 |
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v********o
发帖数: 67 | 46 来自主题: SanFrancisco版 - 求房贷利率 Type: Purchase
Occupancy： Primary (first home buyer)
Property Type： PUD
Purchase price: 780,000
Loan Amount: 468,000 (LTV 60%)
Loan Term: 30 fixed or 7 ARM
Credit Score: ~750
Credit history : 5 yrs
Visa: H1b
No points no fee.
Thank you! |
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r******d
发帖数: 1879 | 47 Need more information to quote:
1. house value
2. primary or investment
3. house type: SFR, PUD or condo
4. visa status ( H1B, green card or US citizen)
5. current loan amount
6. FICO score
thanks |
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r******d
发帖数: 1879 | 48 need more information to get the accurate quote:
1. house type : SFR, PUD or Condo
2. loan amount
3. house market value
4. visa status |
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r******d
发帖数: 1879 | 49 You have to provide more detailed information to get more accurate quote:
1. house type ( SFR, PUD or Condo)
2. primary or investment
3. loan amount
4. market value
5. Visa status ( H1B, Green card or US citizen)
PM us if you wanna get information.
thanks |
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r******d
发帖数: 1879 | 50 You have to provide more information for accurate quote:
1. SFR, PUD or condo
2. primary living or investment
3. current loan amount
4. home market value
5. visa status
6. estimated FICO score
Thanks |
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