a***a
发帖数: 524 | 1 已经签完commitment letter，上面有一项，要求交0.5%的loan amount作为lock rate
deposit。 请问这个合理么？ |
c**********e
发帖数: 1184 | 2 不合理。我们给客户锁定利率都不要客户付定金。
rate
【在 a***a 的大作中提到】
: 已经签完commitment letter，上面有一项，要求交0.5%的loan amount作为lock rate
: deposit。 请问这个合理么？
|
a***a
发帖数: 524 | 3 我们其实也无所谓，只要他们能保证按时closing。
就怕broker后面有什么猫腻。 |
l*****n
发帖数: 204 | 4 No. Don't do this. At this moment, the rates are really high. Most probably
in next a few days, the rates will come down. You can relock a good one.
Otherwise, the broker will earn the difference in rates. |
a***a
发帖数: 524 | 5 可能我没说明白，我们已经lock rate了，一个月前吧，现在是签了commitment letter
上面有一项，要交一个deposit for the locked rate。 |
j*******g
发帖数: 2140 | 6 Source? How do u know the rate is going down next week? My lender says it is
up. Who should we believe?
probably
【在 l*****n 的大作中提到】
: No. Don't do this. At this moment, the rates are really high. Most probably
: in next a few days, the rates will come down. You can relock a good one.
: Otherwise, the broker will earn the difference in rates.
|
MO
发帖数: 592 | 7 看着利率天天涨，很郁闷，要没有时间了
is
【在 j*******g 的大作中提到】
: Source? How do u know the rate is going down next week? My lender says it is
: up. Who should we believe?
:
: probably
|
l*****n
发帖数: 204 | 8 Sorry no source. Just a guess. I think you'd better judge these things by
yourself.
it is
【在 j*******g 的大作中提到】
: Source? How do u know the rate is going down next week? My lender says it is
: up. Who should we believe?
:
: probably
|
d******n
发帖数: 2712 | 9 很难说有什么问题，因为银行锁了利息之后，就会买bond hedge风险，一般不会是100%
hedge的，那么，如果最终交易不成的话，银行是有损失的。银行当然不愿意有损失了
，所以要求deposit也正常。不过，按loan amount的的比例收，比较。。。 |
