s**m 发帖数: 1564 | 1 最想知道的是如果今年年底以前锁定利率,明年一月份close, 要交这个费用吗?
另外,这个费用明年开征,有没有一个停止日期呢?
[发表自未名空间手机版 - m.mitbbs.com] | b********2 发帖数: 5191 | 2 我的理解是如果你现在已经lock了,就不受这个法案影响。因为lender是通过提高rate来收这笔钱的。已经lock的rate不会因为这个法案再更改。
虽然payroll tax cut只是两个月的extension, 这个针对mortgage的费用增加是永久的。
不过这个法案对rate的影响也就是提高不到0.125%,这对相同的program refin有影响
,因为一般要有0.25%的差别才能做refin,但是对不同program的refin影响不大。比如
说从5ARM换到30 yr. fixed. | s**m 发帖数: 1564 | 3 I haven't locked the rate yet. I plan to lock rate before the end of year to
try to avoid this new fee (if possible). Say, I lock the rate at 3% on 12/
30/2011, does the lender give this rate with or without taking the 这个法案
影响 into consideration? i.e., does lender increase rate a little to cover
the fee?
P.S. i think, with this bill in effective, mortgages are always affected.
because people get a lower rate with all same conditions except the new fee.
Right?
rate来收这笔钱的。已经lock的rate不会因为这个法案再更改。
的。
【在 b********2 的大作中提到】 : 我的理解是如果你现在已经lock了,就不受这个法案影响。因为lender是通过提高rate来收这笔钱的。已经lock的rate不会因为这个法案再更改。 : 虽然payroll tax cut只是两个月的extension, 这个针对mortgage的费用增加是永久的。 : 不过这个法案对rate的影响也就是提高不到0.125%,这对相同的program refin有影响 : ,因为一般要有0.25%的差别才能做refin,但是对不同program的refin影响不大。比如 : 说从5ARM换到30 yr. fixed.
| p******y 发帖数: 3523 | | k******o 发帖数: 3328 | 5 There is no any formal notice yet. Normally there is a grace period of time.
to
fee.
【在 s**m 的大作中提到】 : I haven't locked the rate yet. I plan to lock rate before the end of year to : try to avoid this new fee (if possible). Say, I lock the rate at 3% on 12/ : 30/2011, does the lender give this rate with or without taking the 这个法案 : 影响 into consideration? i.e., does lender increase rate a little to cover : the fee? : P.S. i think, with this bill in effective, mortgages are always affected. : because people get a lower rate with all same conditions except the new fee. : Right? : : rate来收这笔钱的。已经lock的rate不会因为这个法案再更改。
| b********2 发帖数: 5191 | 6 年前看来是不会受影响了,看年后吧。
to
fee.
【在 s**m 的大作中提到】 : I haven't locked the rate yet. I plan to lock rate before the end of year to : try to avoid this new fee (if possible). Say, I lock the rate at 3% on 12/ : 30/2011, does the lender give this rate with or without taking the 这个法案 : 影响 into consideration? i.e., does lender increase rate a little to cover : the fee? : P.S. i think, with this bill in effective, mortgages are always affected. : because people get a lower rate with all same conditions except the new fee. : Right? : : rate来收这笔钱的。已经lock的rate不会因为这个法案再更改。
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