C********r
发帖数: 256 | 1 no,
HELOC usually is
15 year draw (means you can withdraw or pay it like a CC)
15 year repay (means like normal mortgage, need pay off can not withdraw any
more) |
|
v********d
发帖数: 618 | 2 经常看到本坛同学问起买多少钱的房子算死撑.
俺老地主有十二栋房子,还是个很不错的房地产经纪(今年已经过户了33栋).简单地说,
贷款应该在你的工资4倍以下比较合适.
若要详细计算,请看...
How much house can you afford?
Mortgage lenders are chiefly concerned with your ability to repay the
mortgage. To determine if you qualify for a loan, they will consider your
credit history, your monthly gross income and how much cash you'll be able
to accumulate for a down payment. So how much house can you afford? To know
that, you need to understand a concept called "debt-to-income ratios."
Debt-to |
|
j********r
发帖数: 129 | 3 Title insurance pays the insurees' lost if later you loses the house due to
title problem (like some one claims that the seller owned him 1 million and
the house was a repayment for the debt). If you lose the house and can't get
the money back, the insurance company will pay the lender the loaned amount
and pay you your down payment.
Most of lenders require you to buy title insurance for them. Yes you pay
that.
But the coverage for yourself is optional. So make sure the optional
coverage is sele |
|
c********h
发帖数: 7827 | 4 since rate is at the lowest, u can look into 30 year fixed, unless u plan to
repay early. |
|
s******g
发帖数: 1709 | 5 不可能，我刚刚看了新的5045
第一句话就是可以用2008 1040x
First-Time Homebuyer Credit and
Repayment of the Credit
Form 5405
© Attach to your 2008 or 2009 Form 1040 or Form 1040X |
|
m*****i
发帖数: 1829 | 6 “Unlike the tax credit that existed in 2008, this credit does not require
repayment unless the home, at any time in the first 36 months of ownership,
is no longer an individual's primary residence.”
如果3年内卖房的话， IRS会不会跟我追讨这8000美元？
而且3年内这房子也不能出租，因为要求“primary residence”。
我的理解正确吗？ |
|
H******7
发帖数: 34403 | 7 我问了，可是他们的回复还是看不懂
Hello,
Our Rate Renewal program allows you to lock in our current rate and extend
the fixed period of your loan, while staying within your original 30-year
repayment period.
If you have further questions, please give us a call at 1-866-509-3906, and
a Mortgage Specialist can assist you. For your convenience we are here 7
days a week from 8 AM to 8 PM.
Thanks,
Kara
ING DIRECT USA
Member FDIC
Equal Housing Lender |
|
P***e
发帖数: 804 | 8 From IRS 5405 Instructions: Information regarding the 2009 Instructions for
Form 5405,
First-Time Homebuyer Credit and Repayment of the Credit
Note Regarding Settlement Statement: While the Form 5405 instructions
indicate that
a properly executed settlement statement should show the signatures of all
parties, the
IRS recognizes that the elements of the settlement document, often a Form
HUD-1, may
vary from jurisdiction to jurisdiction and may not reflect the signatures of
the buyer and
seller. T |
|
s*****u
发帖数: 494 | 9 There is a double taxation myth that has been widely accepted when it
comes to 401k loans. This myth has been promoted by trusted sources and
so called financial experts alike. The double taxation warning goes
something like this: When you invest in a 401k plan, the money hasn’t been
taxed yet. So, when you go to repay your 401k loan, you have to do it with
income that’s already been taxed. Then, when you finally make a
401k withdraw in retirement; the money will be taxed again. Ultimately, that |
|
S********y
发帖数: 182 | 10 Is it a credit or interest-free loan? What about $8k for house bought in
2009? Have to repay $8k back? |
|
s******g
发帖数: 139 | 11 我也有同样的顾虑，但是我的问题更加棘手。我想买的房子出租到8月初，我可以6月份
closing， 但是7月份后由我的名字出租房子，我的agent说这样的话我拿不到$8000 tax credit
。我仔细看了Form 5405 instruction, 上面说" you generally must repay the
credit, .... if you convert the entire home to businesses or rental property
." 有没有人碰到过这样的情况，怎么解决的。 多谢了。 |
|
H******7
发帖数: 34403 | 12 GENERAL TAX LEVY
CO VECTOR CONTROL
CITY ASMT
CITY DIST 987 BOND
COMM COLLEGE BOND
SCHOOL BONDS
SCHOOL STATE REPAYMENT
MUNI WTR DBT SVC
比general增加了40％ |
|
c*******n
发帖数: 913 | 13 谁告诉你说要交税的谁就是ＳＢ
如果是你的Ｌｏａｎ ａｇｅｎｔ告诉你的，马上换掉
我把一个Ｇｉｆｔ ｌｅｔｔｅｒ 的模版贴出来，希望能帮到你
RE: Gift Letter
To whom it may concern:
This letter to address the gift of $xxxxx I am giving to my son/daugher, (
full name) for the down-payment on the home purchasing. This is purely a
gift and I/we will not accept any repayment of this $xxxxx.
I am so glad that he/she wants to build his/her assets in U.S. and I want to
help him/her buy the house of his/her dream.
Sincerely,
(Name of the Donor)
这个ｌｅｔｔｅｒ 的唯一目的就是当银行审批你的贷款的时候 |
|
g***t
发帖数: 444 | 14 也没说要检查什么，就是提醒一下哪些情况需要repay tax credit.
是不是又要抽查了？ |
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l******c
发帖数: 2555 | 15 some new buildings use HOA to repay the loan for public area, like road to
the community... |
|
j****y
发帖数: 1714 | 16 http://library.hsh.com/read_article-hsh.asp?row_id=85
The questions are simple enough: What's going on with mortgage rates?
What makes them rise, or fall? Is it the Fed? The economy? Inflation?
The banks? The President? Fannie Mae or Freddie Mac? Is it a secret
conspiracy?
The answer is that rates are moved by a number of related factors, and
believe it or not, you -- Joe or Jane Consumer -- are one of those
factors.
Mortgage money can come from many sources, including deposits at banks
and brok... 阅读全帖 |
|
d******n
发帖数: 2712 | 17 让公司出证明，说明公司愿意为员工付这笔down pay，该笔款项不需要repay。
如果是这个公司的owner或是co-owner，那就另当别论了，需要提供公司的税表，并且有CPA证明挪用这笔钱不影响工作运作等等。
不过，我感觉LZ的情况像前者多些。 |
|
H******7
发帖数: 34403 | 18 好象是9个月，是否等到下一买家再来repay? 接力棒？ |
|
|
c*u
发帖数: 916 | 20 你怎么知道过三，四年市场就好了。三年不出租，这个损失的成本很大的，可能达到
house price的20%以上了。你真的准备这么做么？不过如果不出租，irs怎么知道是不
是primary home。
8000
在 |
|
l*****l
发帖数: 63 | 21 主要觉得出租问题太多了， 我们自己又不在一个城市， 管理起来比较麻烦， 遇上不
好的租客还要花很多钱重新装修实在没精力。。。。当然我不敢说两三年后房市肯定会
比现在好， 我计划是能拿到8000 credit,两三年后卖掉。 我现在的问题也纠结在 irs
怎么查primary home? 我其实个人也同意cxu (Salmon Fish), 只要不卖不租， irs
应该查不出来； 但是毕竟是irs, 还是要小心， 所以在这里讨教大家的意见。 |
|
s******d
发帖数: 193 | 22 劝你还是别打这8000块主意了，除非你的mailing address 一直不变，报税时也一直用
以前的地址。 IRS很厉害的很快就能查出来。我们旧房也才住了1年，刚搬家还没俩月
旧房还没卖呢，IRS就通知来要8000的credit了。 现在还正发愁报税的事儿呢，不知有
没有利息和罚款，很烦的。
还不如卖了或出租，否则为这8k真不值 |
|
|
|
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H******7
发帖数: 34403 | 26 lenders could be sued by the borrower if they do not take the proper
steps to check a borrowers ability to repay the loan |
|
h***b
发帖数: 1233 | 27 1st lender is senior and 2nd lender is junior in terms of debt repayment.
ie. when borrower gets foreclosed on, 1st gets paid first.
so depends on how "short" is this short sale, 2nd may be wiped out. if so,
2nd has no incentive to cooperate w/ 1st. however 1st may give some money
to 2nd in order to get the deal approved. it could be a dragging process...
don't bet everything on this deal. keep on looking at other options.
个Lender拖拖拉拉。 |
|
A******a
发帖数: 61 | 28 我们现在拿到了一个24年的 re-mortgage plan，我在想是不是把 mortgage term 改成
20年或者再短一些，这样算下来到最后 mortgage 付请总共的 interests payment 会
少些。但是老公觉得还是保险起见，保持24年的term比较好，因为这个plan可以无限的
early repayment 没有任何 charge，而且 interests 是按天算，也就是说如果我们哪
个月有余钱可以还多些，没有上限，并且利息上马上受益。反过来，如果经济不好，也
比较容易维持每月付贷，比换成个短些的 term 但是每个月必须得还贷到比较高的数目
保险些。
我们是两个理财盲，请大家建议一下哪种方案比较好。谢谢。 |
|
c**m
发帖数: 1457 | 29 http://www.mitbbs.com/club_bbsdoc/MA_Mortgage_Realestate.html
【 以下文字转载自 MA_Mortgage_Realestate 俱乐部 】
发信人: chem (Mortgage Consultant), 信区: MA_Mortgage_Realestate
标 题: Buyer Information for Closing
发信站: BBS 未名空间站 (Mon Oct 24 23:00:47 2011, 美东)
What responsibilities do I have during the lending process?
To ensure you won't fall victim to loan fraud, be sure to follow all of
these steps as you apply for a loan:
■Be sure to read and understand everything before you sign.
■Refuse to sign any blank do... 阅读全帖 |
|
c**m
发帖数: 1457 | 30 http://www.mitbbs.com/club_bbsdoc/MA_Mortgage_Realestate.html
【 以下文字转载自 MA_Mortgage_Realestate 俱乐部 】
发信人: chem (Mortgage Consultant), 信区: MA_Mortgage_Realestate
标 题: Mortgage Loan Closing - Process Overview
发信站: BBS 未名空间站 (Mon Oct 24 22:59:21 2011, 美东)
The Mortgage Loan Closing When Buying a Home
Once your application for a mortgage loan has been approved and you have
received a commitment letter from the lender, the final step before you can
call the house your own is the closing, or settlemen... 阅读全帖 |
|
n*******9
发帖数: 3244 | 31 fixed rate vs variable. with such low rate we are having now for fixed rate
loan, 30yrs fixed makes more sense unless you plan to repay everything
within next 2 to 3 yrs.
risk |
|
a****g
发帖数: 3027 | 32 no penalty nor tax.
However, if you are laid off, and also can not repay the remaining loan
balance within a grace period (typically 60 days, but check with HR/the fund
management), then it is considered a withdraw, then you will incur 10%
penalty and tax.
For example, if you still owe 10K at the time of layoff, then you will be
reported to have 9K income (after 10% penality), and be taxed on the income.
However, if you plan well, sometimes early withdraw from 401K actually can
save you tax. For... 阅读全帖 |
|
t***w
发帖数: 77 | 33 我有一个车贷，但是希望早点还完以减少利息。But in order to build up my credit
, what is the minimum period that I shall keep repaying the loan?
Thank you so much!! |
|
S******6
发帖数: 3138 | 34 "The program would also eliminate some risk-based fees for borrowers."
但是主要还是针对那些水下和低信用的房主。
Fact or Fiction Number 2 - Obama's Plan for Foreclosures
"That's why I'm sending this Congress a plan that gives every responsible
homeowner the chance to save about $3,000 a year on their mortgage, by
refinancing at historically low interest rates. No more red tape. No more
runaround from the banks. A small fee on the largest financial institutions
will ensure that it won't add to the deficit, and will g... 阅读全帖 |
|
f****i
发帖数: 20252 | 35 租一个月hotel，三年到期后再搬地方
这里不用退税。贴在这里，方便以后需要的xdjm。
principal residence purchased in 2009 or early 2010. The obligation to repay
the credit arises only if the home ceases to be your principal residence
within 36 months from the date of purchase. The full amount of the credit
received becomes due on the return for the year the home ceased being your
principal residence. |
|
f*********e
发帖数: 8453 | 36 move out != cease to be the principal residence
your
月到
里注
住，
repay |
|
h****n
发帖数: 2094 | 37 sorry no chinese at work. otherwise the discussion would be easier.
the main residence deosn't have to be owned. when you live in a rental, and
your house is vacant, you can deduct your mortgage interest on your house
which is treated as a second home.
we are worried about repaying the credit...
based
a |
|
P***0
发帖数: 368 | 38 .....
right before graduation as students, we had more than 4w in bank account, 2w
in stock/roth ira .....
when my friend and classmate bought his house, I gave him like 4w in cash,
and that is in the first a few months of my working ....
You could ask your wife, in her name apply several BUSINESS cards with the
business name her name and TIN her SSN, if no balance transfer fees. Those
cards usually have higher credit limit (several years ago, mine was like 20-
30k). If you can earn enough mon... 阅读全帖 |
|
F***a
发帖数: 94 | 39 09年12月close的房子，可是6月换工作要搬家。已经跟人谈好了出租，可是忽然想起来
好像要repay IRS $8000。这个是不是死的规定？有没有任何的provision可以少付？
多谢！ |
|
c*********a
发帖数: 2265 | 40 你对short sale的理解真的是错误的。shortsale确实是主动的，standard sale也是主
动的，区别就是short sale卖价不够还欠款的，所以房主想要银行批准，卖了这个房子
以后，欠款清零。比如说房主欠30w，房子sale 价格定了25w，如果房主愿意掏腰包补
上差的5w的，房主还是可以走standard sale，不需要银行批准。但是如果你25w卖了以
后不想还差的5w了，就需要银行批准. 包括银行会核实你是不是真的还不起贷款了，
25w是不是一个合理价格等，这才叫short sale。 房主如果可以卖32w的，房东把30w还
上，把之前交不出的月供的late fee补上，完全没银行什么事，还是standard sale
wiki上对shortsale的解释的第一句：
A short sale is a sale of real estate in which the proceeds from selling the
property will fall short of the balance of debts secured by liens again... 阅读全帖 |
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m*****n
发帖数: 314 | 41 1.是的,国家有政策--兑换外汇每人每年最大额度是5万美金,咱老百姓还是按政策办事.
2.找三个直系亲属,最好同姓;保留好汇款的底单(收据),贷款时lender需要看这东东(
source资金来源),还有要准备一个gift letter(说明这个钱不是借的,不需要repayment
). |
|
H*********s
发帖数: 2724 | 42 请问GIFT LETTER 写中文 还是英文? 要公正吗?
事.
repayment |
|
I******A
发帖数: 426 | 43 1.这个需要跟你的loan agent多沟通,银行一般在underwriting时候,需要看你的bank
statement,downpay在这之前一定要到位.
2.贷款买房一般是downpay 20%或以上,那么剩下的80%就需要从银行贷款,具体能贷多少
,还要看你的收入够不够,PF要求DTI<=50%.
3.如果是以你的父母名义从国内汇钱过来,银行会要求提供汇款的底单(收据)+gift
letter,需要父母签字,说明这个钱不需要repayment.
不一定要放满一定时间才能用,提供汇款的底单(收据)+gift letter,这个钱就可以用了.
有的人想放久一点,等新的bank statment出来,这样就看不到这笔汇款,主要是想避免银
行去sourcing,减少麻烦. |
|
a**r
发帖数: 661 | 44 有鉴于很多人对于房屋贷款的不了解，版主开始整理房屋贷款的FAQ，
请提出要了解的问题，也请懂行的人士以及版上的贷款经纪分享你们
的知识。
有关问题及答案请回此贴，本FAQ定期更新
--------------
房屋贷款(Mortgage) FAQ Ver. 0.2
MITBBS家居生活版
http://www.mitbbs.com/bbsdoc/Living.html
日期: 2013.03.21
整理: acer
致谢: (排名不分先后)
panpandy, PinkPink, steve888, mitbbsindc, blueangel2,
yangfenqifan, PeterChen, IVYMtgVA
警告:
1.本文仅供参考, 具体问题请咨询专业人士
2.作者不承担使用本文引发的任何后果
3.本文尽量使用中文，但名词以英文为准
4.本文版权归MITBBS家居生活版所有，未经许可不得转载
=============
基本问题
Q101: 请教贷款的一般流程
A: 一般贷款买房的流程如下：
1. 准备首付现金
2. 找房子
3. 拿到贷款的pre-ap... 阅读全帖 |
|
I******A
发帖数: 426 | 45 Q201: 怎样准备首付的钱
修改建议:现在贷款查得比较严格, 首付的钱最好在自己的账户上带两个月以上, 另外
账户上最好没有大额的现金存取的记录(工资除外), 如果有的话,可能会需要额外的来
源说明. 帐户之间的转账纪录也有可能需要. 国内的钱或者亲戚朋友的钱可能需要提供
馈赠证明(gift letter)以及汇款的底单(收据),来说明这个钱不是借的,不需要
repayment. |
|
p*****p
发帖数: 406 | 46 如果是从我的股票帐户,IRA, 401(k)转过来的钱,也必须要停留两个月以上吗?
Q201: 怎样准备首付的钱
A: 现在贷款查得比较严格, 首付的钱最好在自己的账户上带两个月以上, 另外账
户上最好没有大额的现金存取的记录(工资除外), 如果有的话,可能会需要额外
的来源说明. 帐户之间的转账纪录也有可能需要. 国内的钱或者亲戚朋友的钱
可能需要提供馈赠证明(giftletter)以及汇款的底单(收据),来说明这个钱不是
借的,不需要repayment. |
|
b*******7
发帖数: 907 | 47 这个改一下吧，如果是自己的钱，最好通过亲戚朋友转过来，不要让美国发现你有海外
账户，而且还有巨额存款，不光是买房时证明资金来源合法性比较麻烦，以后报税可能
也会有潜在的问题。
Q201: 怎样准备首付的钱
A: 现在贷款查得比较严格, 首付的钱最好在自己的账户上带两个月以上, 另外账
户上最好没有大额的现金存取的记录(工资除外), 如果有的话,可能会需要额外
的来源说明. 帐户之间的转账纪录也有可能需要. 国内的钱或者亲戚朋友的钱
可能需要提供馈赠证明(giftletter)以及汇款的底单(收据),来说明这个钱不是
借的,不需要repayment. |
|
f**e
发帖数: 3156 | 48 us bank, u kidding me?
即不能做bi-weekly payment, principal repayment竟然一个月只能做一次
退,
了. |
|
I******A
发帖数: 426 | 49 1.如果首付还没到位,建议在合同上把close date放晚一些,可以让buyer agent跟
seller商量,尽量给自己足够的时间.
2.如果是从国内汇钱过来做首付,那就找直系亲属帮你汇,最好同姓;需要保留好汇款的
底单(收据),贷款时lender需要看这东东(source资金来源),还有要准备一个gift
letter(说明这个钱不是借的,不需要repayment). |
|
I******A
发帖数: 426 | 50 1.是的,国家有政策--兑换外汇每人每年最大额度是5万美金,咱老百姓还是按政策办事.
2.如果是用来做首付,那就找几个直系亲属帮你汇,最好同姓;保留好汇款的底单(收据),
贷款时
lender需要看这东东(source资金来源),还有要准备一个gift letter(说明这个钱不是
借的,不需要repayment). |
|
