g****t
发帖数: 19 | 1 【 以下文字转载自 TAX 讨论区 】
发信人: guanxt (宽), 信区: TAX
标 题: Upfront PMI Tax Deductible?
发信站: BBS 未名空间站 (Fri Feb 18 14:09:48 2011, 美东)
去年refinance的时候交了好几千upfront mortgage insurance (FHA loan)，请问这一
部分
tax deductible吗？
Thanks in advance! |
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d****i
发帖数: 121 | 2 这里有研究CDS的大牛吗？
我有这样组数，如：
date 19OCT08
maturity 5
maturitydate 20SEP13
bid_upfront 18
bid 500
如何把upfront bid变成conventional spread啊？
我下载安装了ISDA的CDS model excel add-in，但是不知道应该用哪个公式如何用。
我的prof让我直接把upfront/4就好了，最后也就是1800/4+500=950。这样可行吗？抓
破脑袋也没想明白......
谢谢。 |
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b*******z
发帖数: 331 | 3 在NYC的condo，loan大概348k左右，LTV大概75%左右
直接买房的时候condo没到50% close，让我做了15yr fixed 的FHA，credit 了upfront
fee,同时没有monthly premium，现在想做refinance，又让我做FHA，可以3.375% no
fee,no point,FHA的话可以credit 6.5k左右，但是conventional只能credit 5k多，这
是为什么呀？
为什么这个broker老是想让我做FHA而不是conventional？是不是有什么trick？版上的
大牛broker们，你们做NYC的no-fee refin rates怎么样？谢谢 |
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k******o
发帖数: 3328 | 4 Monthly premium is only required if LTV > 80%.
upfront
no |
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r***h
发帖数: 100 | 5 fha 现在有 0.25%-0.5% 的 MIP， 等于是 rate 加 0.25. 你买房是去年 3月之前吗？
FHA 好处就是可以做 streamline， 不用担心房价跌了。如果是 FHA-FHA refi，
upfront mortagae 交 1%， 但原来的会退回来一部分（78% - 2%*months on previous
loan)。
你让他给你个两个loan closing cost 和 rate 列出来，你就好决定了啊 |
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l******n
发帖数: 1250 | 6 我找的房贷，是那种0 cost upfront，就是不用花一分钱，利率高一点的那种。
可是，1个月之后，我发现他们给我的利率高了，我还有更低的
请问，如果我现在refinance, 那么需要不需要交罚金？
我粗略地看了一眼合同，上面写的是没有。
可是如果不交，他们岂不是亏了？因为没从我这里拿太多手续费啊
我担心我是不是看错了？ |
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g****t
发帖数: 19 | 7 去年refinance的时候交了好几千upfront mortgage insurance (FHA loan)，请问这一
部分
tax deductible吗？
Thanks in advance! |
|
a***r
发帖数: 594 | 8 upfront / duration = spread.
your professor is assuming the duration of this CDS is 4 years. which seems
pretty reasonable.
a rough check is that if ATM is 950, the 1y default prob is about 0.905.
0.905+0.905^2+0.905^3+..+0.905^5 is not far from 4.
think the big bang package should have a formular for conversion, like the
bloomberg model everybody used for price/spread conversion. |
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w*******y
发帖数: 60932 | 9 Just Cloud Unlimited Online Storage - Pay for 2 years now, get an Anytime
Money Back Guarantee. $1.49/month-2 years upfront
I think this is one of the better deals out there for Unlimited Online
Storage.
Linky:
https://order.justcloud.com/?pack=unlimited&scoup=70off
|
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a***r
发帖数: 594 | 10 I ll take a stab.
a CDS can be bought in two ways. one is you pay a quaterly coupon at a
quoted rate. the other is you pay a cash payment upfront. both in exchange
for the protection payout when the reference entity defaulted.
so the upfront for a 3/5 forward CDS is simply 5y CDS upfront - 3y CDS
upfront. thats dictated by no-arb. depending on when the upfront is paid (
today or in 3 years when the protection starts) you may have to do some
discounting.
now he wants the running. we ll estimate t... 阅读全帖 |
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W******8
发帖数: 725 | 11 在网上看到的，觉得对第一次买房的会有帮助。
Buying a home in Texas is similar to purchasing a home in some of the other
states and very different from yet other states.
Texas is one of nine community property states. Generally speaking, a
community property state is a state in which property accumulated during a
marriage (other than by gift or inheritance or property owned by one spouse
prior to the marriage), is equally owned by each spouse.
Texas homeowners may apply for a Homestead Exemption on their principal
re... 阅读全帖 |
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p**p
发帖数: 2493 | 12 在网上看到的，觉得对第一次买房的会有帮助。
Buying a home in Texas is similar to purchasing a home in some of the other
states and very different from yet other states.
Texas is one of nine community property states. Generally speaking, a
community property state is a state in which property accumulated during a
marriage (other than by gift or inheritance or property owned by one spouse
prior to the marriage), is equally owned by each spouse.
Texas homeowners may apply for a Homestead Exemption on their principal
re... 阅读全帖 |
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y*****y
发帖数: 1208 | 13 you got a stinky mouth, dude.
my point is banks need to publish and itemize every charge. not after the
fact without upfront explanation.
for this wire transaction, my father was told he can't do $50K. $30K max so
he has to send another wire for $20K. for 2 seperate transactions hence two
sets of fees incurred.
We paid 80RMB wired fee and 31RMB processing fee upfront for the $30K
transfer to 建行. 建行 said they will not charge more fees. first, upon our
inquiry, they flatout denied they charge $1... 阅读全帖 |
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m***o
发帖数: 1367 | 14 pat pat，投资就是这样，没人能未卜先知。
不过GET的upfront涨得很快呀。
去年 buyIn/payOut 101/76 = 1.33 33%的upfront
今年 buyIn/payOut 117/85.9 =1.36 36%的upfront
这几年学费涨的快，upfront涨得更快。如果不能稳定下来，这个program能不能维持很
成问题。 |
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M****o
发帖数: 7045 | 15 Inter 3-1 Palermo: Sneijder-Eto’o combination twice opens up Palermo
May 30, 2011
（原文链接：http://www.zonalmarking.net/2011/05/30/inter-3-1-palermo-coppa-italia-2011/）
国际米兰3：1巴勒莫：斯内德-埃图奥联手梅开二度
Leonardo won his first trophy as a coach, as Inter lifted the Coppa Italia.
高举意大利杯的国际米兰，为主帅莱昂纳多迎来了执教的第一座奖杯。
Wesley Sneijder was fit to start for Inter, with Yuto Nagatomo at right-back
, and Cristian Chivu on the opposite side.
国际米兰斯内德首发，齐沃和长友佑都分别担任左右后卫。
Delio Rossi used his 4-3-2-1 system. Fabio Liverani was... 阅读全帖 |
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y*****y
发帖数: 1208 | 16 To other people replied here, thank you for the input. I am not going to
write back one by one. Here is the summary.
Unlike some said, I didn't expect free lunch. For this wire transaction, my
father was told by CCB he can't do $50K at once. $30K is the max so he has
to send another wire for $20K. For 2 seperate transactions hence two sets of
fees incurred. We are not happy about this policy.
So for the $30K transfer through 建行, we paid 80RMB wired fee and 31RMB
processing fee upfront..... 建行 s... 阅读全帖 |
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Y******u
发帖数: 1912 | 17 刚看了军版关于周小平观点的楼，其他的不说了，就房产税发表点看法 （非专业房地
产人士）
1. 房产税跟产权没有关系
从表面上看，不交房产税，政府可能会强行做tax deed sale，变相剥夺你所有权，但
实际完全不是这样
a. 很多state是没有deed sale，只会lien sale，简单的说就相当于给你加一个
interest很高，优先度最高的mortgage/loan
b. 有deed sale的州也不会你欠几个月tax就把你房子拍卖，一般从欠款到拍卖至少要
半年到两年，中途每一步都有很严格的通知要求，如果不按要求通知deed sale是无效
的。绝对不会出现你不知不觉房子就被拍卖了的情况
c. 好了，有人说就算你提前通知我，我没钱交怎么办？最还不还是要被强行拍卖？我
想说你脑子实在太不好用了，有非常多的办法：
c1. 每个州有不同的政策，可以Certificate of Discharge， Installment Plans，
apply for an extension。还有些州可以在拍卖后一年按照拍卖价+interest买回来
c2. 把房子出租，美国大部分中产阶级... 阅读全帖 |
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w****n
发帖数: 25644 | 19 【 以下文字转载自 Military 讨论区 】
发信人: YonahYou (Yonah), 信区: Military
标 题: 地产税不能算是美国地产相比中国的劣势
发信站: BBS 未名空间站 (Wed Oct 22 17:44:16 2014, 美东)
刚看了军版关于周小平观点的楼，其他的不说了，就房产税发表点看法 （非专业房地
产人士）
1. 房产税跟产权没有关系
从表面上看，不交房产税，政府可能会强行做tax deed sale，变相剥夺你所有权，但
实际完全不是这样
a. 很多state是没有deed sale，只会lien sale，简单的说就相当于给你加一个
interest很高，优先度最高的mortgage/loan
b. 有deed sale的州也不会你欠几个月tax就把你房子拍卖，一般从欠款到拍卖至少要
半年到两年，中途每一步都有很严格的通知要求，如果不按要求通知deed sale是无效
的。绝对不会出现你不知不觉房子就被拍卖了的情况
c. 好了，有人说就算你提前通知我，我没钱交怎么办？最还不还是要被强行拍卖？我
想说你脑子实在太不好用了，有非常多的办法：
c... 阅读全帖 |
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r****m
发帖数: 1204 | 21
你误解我的意思了. 正象你说的, buy and hold是用税后的钱来买的，所以是已经交过
一次税的钱, 这恰恰说明了的upfront免税的效果是巨大的, 而滚的过程不交税不是很
重要.
Let me use an example to illustrate:
$100 buy and hold
6% annual growth rate
20 years to invest
capital gain 20%
End of 20-year balance after capital tax is $276.57.
(I didn't consider rebalance or dividend income here, and I agree, they
could make some impact, but you could minimize such impact by investing in
low dividend growth index funds).
401K investment
The buy and hold $100 is after tax amount... 阅读全帖 |
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r******n
发帖数: 225 | 22 我这个比angelfeier还少借不少，也没有escrow account，可是还要1万多。。。
lender给$4500 credit，之后是$5,998.59，但利率也比别处高。
1st Mortgage Amount $134,580
1. Lender Fees
1.1) 1% Origination Fee, $600 Application Fee $1,945.80
1.2) Appraisal (Paid Upfront) $450.00
1.3) Tax Service $58.00
1.4) Credit Report (Paid Upfront) $63.00
1.5) Final Inspection $55.00
1.6) Flood Certification $15.00
1.7) MERS Registration $6.95
*Total Lender Fees $2,593.75
2. Title Charges
2.1) Title Insurance Policy ... 阅读全帖 |
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t**********j
发帖数: 382 | 23 For FHA, if you pay 10% down payment for 15 year fixed rate before 4/18/11,
you need to 1% upfront MI only, no monthly MI. Now 1% upfront MI and 0.25%
annually MI is required. You always need to MI for 30 yr fixed rate.
Since the the Rate for FHA is better than Conventional loan, for the same
rate, 1% upfront MI can usually be paid by the lender. |
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n*******9
发帖数: 3244 | 24 there's pros and cons for this if the contract didn't request the buyer to
do it upfront. the pro is that you will know the condition of the house and
can ask credit by lower the price with the seller after inspection (if you
did it upfront). since seller doesn't really care about this, they are most
likely will agree with you and lower the price for the lien holder to
approve. the con is that the lien holder may not even approve the sale and
you may get nothing at the end. if that is the case, ... 阅读全帖 |
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I*******t
发帖数: 1838 | 25 What the new credit card law means for you
By Connie Prater
Credit card users can expect the most dramatic changes in credit terms,
interest rates and fees in decades now that a new federal credit card law
has gone into effect.
The new normal for credit cards is more transparency and easier-to-
understand terms, but at a higher upfront cost. Credit card issuers and
credit industry analysts say the credit card reform law could make credit
cards more costly for all users and unaccessible for many ... 阅读全帖 |
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S****e
发帖数: 149 | 26 非常感谢，写了这么多。
我们是要去墨尔本，估计是不会做什么手术了，最多生个孩子。看来public hospital
的保险就够了。
不过你说的excess fee是啥？我看到bupa保险里有一个excess option，不知道是不是
你说的这个，我实在不懂啊，网页上说
"An excess is a set amount you agree to pay upfront before your benefit is
paid for overnight or same-day admissions at any hospital."
bupa公司的人告诉我这是upfront fee，可我还是不懂什么叫upfront fee啊。。选保险
的时候到底应不应该选择有excess option的呢？ |
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y*****y
发帖数: 1208 | 27 Seahorses, your mail box is full so my note was bounced.
To other people replied here, thank you for the input. I am not going to
write back one by one. Here is the summary.
Unlike some said, I didn't expect free lunch. For this wire transaction, my
father was told by CCB he can't do $50K at once. $30K is the max so he has
to send another wire for $20K. For 2 seperate transactions hence two sets of
fees incurred. We are not happy about this policy.
So for the $30K transfer through 建行, we paid 8... 阅读全帖 |
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s*******h
发帖数: 916 | 28 P5 = PV01(5y)* R(5y), where P5 is upfront for 5yr cds,PV01(5y) is present
value of 1bp cash stream for 5yrs,R(5y) is running spread for 5yr cds
P3 = PV01(3y)* R(3y), where P3 is upfront for 5yr cds,PV01(3y) is present
value of 1bp cash stream for 3yrs, R(3y) is running spread for 3yr cds
P5-P3 = (PV01(5y)-PV01(3y))* R(3y/5y), where R(3y/5y) is running spread for
3y/5y forward cds, P5-P3 is actually the upfront for 3y/5y forward cds, PV01
(5y)-PV01(3y) is present value of 1bp cash stream for year... 阅读全帖 |
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h*y
发帖数: 1289 | 29 There are two quoting conventions: upfront and par spread.
upfront is associated with two standard running coupon: 100bps or 500bps.
But no matter what upfront can never exceed 100%. You will not protect $1 by
using more than $1.
par spread can exceed 100% if market expectation is to default within 3M.
Assuming A/360 and zero recovery, the extreme case is a 36000% par spread, i
.e., entity will default tomorrow for sure. |
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b*********s
发帖数: 823 | 30 【 以下文字转载自 Sex 讨论区 】
发信人: alex100 (alex100), 信区: Sex
标 题: escort 术语大全
发信站: BBS 未名空间站 (Sat Aug 2 21:43:34 2014, 美东)
AAMP Apartment Asian Massage Parlor. Based in a residential apartment
instead of a commercial storefront.
AAMP Asian-American Massage Parlor. This is the politically correct acronym.
AFF Adult Friend Finder (a popular USA dating website)
AFF Asian Friend Finder (a popular Asian dating website)
Agency A company that manages calls, bookings, and advertising for a group
of providers.
... 阅读全帖 |
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s*********y
发帖数: 385 | 31 对。 文中提到的越来越多的practice被医院购买，在我们这儿是事实，保险公司已经
基本上没法砍价了。自己和医生砍价我做过，要求他们给一个upfront cost,最后的价
钱比国内还便宜。 可这些
都不是life-threaten的情况，孩子发高烧，你让他们给一个upfront cost? 你让他们
不做一些不必要的labwork? TIME 这篇
文章举的例子全是这种情况。病人对费用没有知情权的情况一点power都没有。
最好的办法不是政府管理，而是设一个最高价，基本的blood work这样的完全可以定价
。 |
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s*********y
发帖数: 385 | 32 对。 文中提到的越来越多的practice被医院购买，在我们这儿是事实，保险公司已经
基本上没法砍价了。自己和医生砍价我做过，要求他们给一个upfront cost,最后的价
钱比国内还便宜。 可这些
都不是life-threaten的情况，孩子发高烧，你让他们给一个upfront cost? 你让他们
不做一些不必要的labwork? TIME 这篇
文章举的例子全是这种情况。病人对费用没有知情权的情况一点power都没有。
最好的办法不是政府管理，而是设一个最高价，基本的blood work这样的完全可以定价
。 |
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V**3
发帖数: 12756 | 33 Some people in the crowd at a graduation ceremony at California State
University, Fullerton, shouted at the commencement speaker after she talked
about presidential candidate Donald Trump and gave a brief section of her
address in Spanish.
“It’s really sad,” the commencement speaker, Maria Elena Salinas, an
anchor for Spanish language broadcast network Univision, said Tuesday. “And
it’s a testament to what has happened in our country. Our country is
really divided.”
Salinas gave the keynote addr... 阅读全帖 |
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c*****9
发帖数: 228 | 34 多谢大家的回复！我和Dealer又商量了一下，我说我们upfront太多了，能不能低一点
，Dealer很搞笑，说问我最低愿意出多少，我说$2,500然后monthly pay还是$550.
结果他们商量了一下给我回电话说，upfront降到$3,000,但是monthly pay $645....这
个不是朝三暮四么...我想了想还是算了，我可能还不是negotiate的高手啊。
不过还是谢谢楼上的大侠们，学到了很多！ |
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n***s
发帖数: 163 | 35 It's almost never a good idea to lease to buy. You either lease (if RV is
high) or buy upfront (if RV is low).
If you lease to buy, you are eating up the leasing fees, which aren't needed
if you buy upfront. Of course you can view it as the price for the option
to buy.
If your goal is to eventually buy at the end of the lease, then the RV doesn
't matter at all. |
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l****G
发帖数: 1197 | 36 刚跟dealer电话，2015 328i x drive， new car；
MSPR： 49050
sell： 40795
lease MF：0.0013， 可以放7 msd
acc： 925， in lease
doc： 112， upfront
title ＋ regist：102： upfront
9% tax in PA
最后 435.71 每月，大家觉得怎样？
我让他们砍到 40000， dealer去问经理了，如果成功，算下来410 每月
多谢 |
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T**********e
发帖数: 387 | 37 原帖lz租两年新车只要600刀，虽然车不怎么样，但胜在价钱无敌啊！看到标题的时候
我彻底跪了……
2017 Chevy Trax LT - 0$/month ( upfront fees) Taken (will reach out if
anything falls through)
2017 Chevy Trax LT
Months: 13.5 months left
Mileage: 14k miles left
I’m in SoCal north of Los Angeles in Thousand Oaks.
Paint: Red
Keyless lock and start
Power moon roof/Bose speakers
Leatherette/cloth seats
Transfer Fee is $595 - (GM advises that transfer can take up to 30 days but
should be much quicker).
$300 to cover the second ha... 阅读全帖 |
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F***Z
发帖数: 703 | 38 ☆─────────────────────────────────────☆
hollycow (分类讨论区) 于 (Mon Jul 18 23:11:44 2005) 提到:
My lender told me that there is no cost to open a home-equity line though I do
n't actually need one. Anyone has such experience? It is like holding a bomb a
nd don't know when it is ticking. Some website suggests to ask the following q
uestions:
1. is there minimum draw required at closing?
2. is there required average balance?
3. is there upfront lender fees?
4. is there upfront third party fees?
5. |
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s********d
发帖数: 2216 | 39 如果是 FHA， 2.25% Upfront Mortgage Insurance， 这个会加到你的 loan 里，再加
0.5% PMI。 今天应该能做到 4.625%。昨天应该要好点。
如果是非 FHA 10% Downpayment， 没有 upfront Mortgage insurance， 这个利率还
可以。 但要问清楚 1% PMI 有没有年限要求,有些 lender要求至少要付两年的。 |
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w*******g
发帖数: 9932 | 40 downpayment is gone already. It doesn't matter how much you paid upfront.
what matters is how much you owe the bank. If the bank thinks your house
worth
less than the loan amount, then to refinance, you have to pay another
upfront to
reduce the loan amount to reasonable level. |
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y****n
发帖数: 579 | 41 前两天我也quote到3.75%的FHA，不过要预付3000刀的points，就没搭理lender。
有个问题，fha需要upfront pmi，不知道refinance成低利率的fha时这个upfront pmi需要再交
一遍吗？ |
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M********I
发帖数: 848 | 42 楼主问的是mortgage insurance。FHA贷款，要pay upfront and monthly mortgage
insurance.
所以我觉得楼主那”11个月的mortgage insurance“不是prepay, 而是upfront.
FHA 要13个月的tax吗？还是你的房子今年的tax还没付，马上要走escrow？ |
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O*********h
发帖数: 4674 | 43 Upfront Mortgage Insurance Premium
Effective for loans on or after October 4th, 2010, for FHA regular purchases
and refinance products, the Upfront Mortgage Insurance Premium is 1.00%,
which decreased from 1.5%. This amount remains unchanged.
FHA's monthly mortgage insurance payments will be automatically terminated
when these conditions occur:
For mortgages with terms 15 years and less and with Loan to Value ratios 90
percent and greater, annual premiums will be canceled when the Loan to Value
... 阅读全帖 |
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k**o
发帖数: 15334 | 44 你不要太天真好不好，你以为你mortgage agent和银行是雷锋，给你免费
服务的？付费方式有三种，第一是upfront cost，这种其实以绝对金额来算，
是最低的cost。第二种add cost to principal，就是虽然没有upfront cost，
但是把cost加到你principal里面，让你贷款额更高。第三种是add cost to
rate，就是把你cost加到利息里，让你能拿到的利息更高些。总之，
mortgage agent和银行，总是会从你的refinance赚到几千块左右的手续
费的。 |
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b*e
发帖数: 3845 | 45 There are different plans. I prefer the interactive plan, which allows me to
control the system from my smart phone. The comparative plan cost $42.99/
month at FrontPoint security (with 2 year contract), it costs $29.95 at
Safemart. They also gave me 3 months free if I pay 1 year upfront, so it
cost about $24/month.
In terms of installation fee, it's about $10 (for them to configure your
sensors). It's self installation. Very easy to install as everything is
wireless.
The upfront equipment fee w... 阅读全帖 |
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p******y
发帖数: 3523 | 46 如果付不到10% down，估计都需要寻求FHA loan，upfront的point有可能是1.75%。如
果能pay到10% down，那么可以寻求conforming loan+ mortgage insurance。credit不
能太差，否则mortgage insurance可能会拿不到。不过，不需要upfront的points了。
但rate会比pay 20% down差。 |
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k***n
发帖数: 3158 | 47 this is NOT no cost then
most "no cost" lenders will ask you to pay credit report fee and appraisal
upfront, in the case your loan is rejected, they will not lose money
but if your loan is approved, they will credit these fees back at closing
nicer lenders will not even ask you to pay these fees upfront.
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w**********g
发帖数: 48 | 48 多谢你。
我没有拖过，每个月还清，然后又欠。
我查了些信息，贴这里，很长，有兴趣的人可以看看，基本确定这个就是骗子，还好他
问我SSN的时候我就什么都没有说了，不然估计就惨了
希望如果类似情况，大家能直接忽略那些垃圾邮件（那些邮件看着挺吓人和诱人）
Credit Resolution Advisors Just Sent Me a Mailer. – Sumir
CRAisevil
The owners of CRA or CreditResolution Advisors should be arrested for
fraud and deceit.
I’m contacting the FBI.
The more people who contact the FBI, the quicker these guys will be on
the lam.
Jblittle40
Must be a scam. I received pink notices from them trying to renegotiate
A cr... 阅读全帖 |
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a****g
发帖数: 3027 | 49 简而言之，就是搞的越繁琐越好，很多人依赖这个混口饭吃呢。抓到一个孩子可千
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
万不
~~~~~~能轻易放过了。但是是不是真的有必要搞，或者说，搞到什么程度合适，是值得
审阅的。
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这段说的好。
现在已经非常那个复杂了：
* advocate的培训班
* advocate offices, advocator
* independent DAN doctors， 只接受受私人的upfront payment
* glutin-free products to help (?) kids
* independent SPL, 只接受受私人的upfront payment
* hospital affiliated SPL
* Agent SPL
* ....
本意是很好的，帮助孩子，实际上由于经费短缺+ 实际... 阅读全帖 |
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d****o
发帖数: 1055 | 50 why not?
先试试。没有赚钱的idea一文不值。唯一的问题就是你们怎么签合同。
你可以把upfront的实现时间推迟，先试着让他帮你咨询一下。前半年就是试用。
合同是at will的，双方随时可以解约。然后你可以完全同意他的要求,只是没有
upfront.
如果你们合作到了半年，你可以给他3%的股份，之后每个月0.5%。如果半年都合作不起
来，那么他一点儿股份都拿不走。
这种合同跟用工合同一样。如果你半年内辞职，退还sign on bonus，而且没有股份。
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