v*****s 发帖数: 68 | 1 银行寄的1099表里除了放贷利息外,还有2000的point。去年买的房子,贷款时没有买
点,这里的point哪里来的呢?
(我们当时贷款时被broker坑了,这point跟他有关系吗? 有没有什么不好的地方)
thanks |
h***b 发帖数: 1233 | 2 point on "purchase" loan is 100% deductible in the yr of purchase.
if you didn't pay, that's good but you can still deduct it per 1098. :p
【在 v*****s 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 银行寄的1099表里除了放贷利息外,还有2000的point。去年买的房子,贷款时没有买 : 点,这里的point哪里来的呢? : (我们当时贷款时被broker坑了,这point跟他有关系吗? 有没有什么不好的地方) : thanks
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t**********j 发帖数: 382 | 3 You might pay point last year. Check your HUD-1. If your rate was lower than
most other lenders could offer, you probably paid point. If you paid 1
point (1% of your loan amount), your rate could be about 0.25% lower. |
t**s 发帖数: 6972 | 4 听起来像是你贷款付了point但你自己不知道。查当初的hud. |
z*********n 发帖数: 94654 | 5 哈哈,这人够糊涂的,稀里糊涂就被loan agent忽悠了
听起来像是你贷款付了point但你自己不知道。查当初的hud.
【在 t**s 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 听起来像是你贷款付了point但你自己不知道。查当初的hud.
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z*********n 发帖数: 94654 | 6 也有可能,pay了point,利息也不低
无论如何,point这事是个decision,而不是自己都不知道偷偷的就在那了
或者楼主的loan agent shady不告诉他,或者他自己太糊涂,稀里糊涂就买了point
than
【在 t**********j 的大作中提到】![](/moin_static193/solenoid/img/up.png) : You might pay point last year. Check your HUD-1. If your rate was lower than : most other lenders could offer, you probably paid point. If you paid 1 : point (1% of your loan amount), your rate could be about 0.25% lower.
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