s****h
发帖数: 921 | | k******o
发帖数: 3328 | 2 It is two separate topic, yet both have escrow, title and loan company
involved.
Purchase: in most cases in CA, buyer does not have option to pick up escrow
and title company, so they are more expensive.Compared with refi, it takes
more attention/email/phone call to get purchase loan done.
Refinance: most likely your mortgage broker select the most price
competitive for you (for no point no fee refinancing).
Purchase closing cost is likely higher than refinancing for the same case.
【在 s****h 的大作中提到】
: 这2个closing cost 有啥联系？
| b********2
发帖数: 5191 | 3 对refinance来说, 所有费用都是borrower来付, 费用大致可以确定, 主要包括下面几
项:
Appraisal Fee (大约$400) + Credit Report Fee
Lender Fee
Escrow Fee
Title Fee (包括lender policy insurance)
Government Fee
这些项目中又包括很多不同的收费. 作为申请人，不用明白每一个细节，只要是no
closing
cost, 上面所有的费用都是应该被cover的.
purchase loan的closing cost比refinance多一些项目, 包括owner policy
insurance, country transfer tax及city transfer tax等等. 同时涉及seller和
buyer双方, 所以就要看contract规定哪些cost是seller来付的, 哪些是buyer来付的. | k******o
发帖数: 3328 | 4 Normally, in CA standard sale, owner policy insurance, country transfer tax,
city transfer tax are paid by seller, yet escrow cost is higher compared
with refi. | b*d
发帖数: 9308 | 5 贷款的closing cost是买房closing cost的一部分。
【在 s****h 的大作中提到】
: 这2个closing cost 有啥联系？
| p******y
发帖数: 3523 | 6 如果有贷款的话，买房的closing cost里面包含了mortgage的closing cost，如果没有
贷款的话，就纯粹是买房的transaction所带来的cost。 | s****h
发帖数: 921 | 7 谢谢大家的解释
清楚了很多
我的情况这样：370k的房子，20%首付。
整个的closing cost是6000块，包括了harzard insurance/property tax 3 month
reserve 2000多，另外还包括了1200的hazard insuarnce premimum 1200。
项目不少，有些我分不太清楚是跟贷款有关或无关。
owener title insurance 是seller买
其他全是borrower的事情。
这些合理不?
第一次买房。很多不懂
谢谢大家！ | k******o
发帖数: 3328 | 8 The whole closing cost could be divided into NRCC (Non Recursive Closing
Cost) and RCC.
RCC (Recursive Cost), includes but not limited to home owner insurance (
hazard insurance) and property tax, etc.
Property tax will accompany you forever as long as your are the owner which
is independent of your mortgage.
When you have loan, the beneficiary of your home owner insurance is lender (
not you), therefore it is required.
Normally, in CA for standard sale, seller will pay government transfer tax,
one year home warranty and owner's title insurance.
【在 s****h 的大作中提到】
: 谢谢大家的解释
: 清楚了很多
: 我的情况这样：370k的房子，20%首付。
: 整个的closing cost是6000块，包括了harzard insurance/property tax 3 month
: reserve 2000多，另外还包括了1200的hazard insuarnce premimum 1200。
: 项目不少，有些我分不太清楚是跟贷款有关或无关。
: owener title insurance 是seller买
: 其他全是borrower的事情。
: 这些合理不?
: 第一次买房。很多不懂
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