k****a
发帖数: 4944 | 1 1。现金买地，贷款盖房。
2。贷款买地，贷款盖房。
3。贷款买地，现金盖房。
。。。
谢谢！ | s**********d
发帖数: 36899 | | k****a
发帖数: 4944 | 3 展开说说。。。
对象为一般贫下中农可以吗？
【在 s**********d 的大作中提到】
: 有人能，有人不能。
| c********n
发帖数: 731 | 4 You cannot buy land with mortgage. You can get a construction loan after
you purchased the land. the way it works is that there is no single closing
like you purchase a house. there will be multiple closings of different
amounts. Lets say in month 1, foundation and wood structure are complete,
and you close on that and the bank will release some money to the builder.
Then in month 2, dry wall is finished and the bank release some money to the
builder, and so on so forth. It is doable but it is complicated and you
need a good mortgage person to help you. It also could be stressful too
because you have to monitor the progress. | D******r
发帖数: 5237 | 5 可以贷款买地+房。具体做法是找好地和建商，比如地10万，盖房子30万，你分别
跟卖地的和造房子的签合同，然后跟银行借钱时候按照房子价值40万来做抵押。
这样跟你买一个现成40万房子贷款方式差不太多。一样是20%首付。只需要一次
closing。唯一的区别是贷款利率算construction loan所以要高一点，但是
你可以在建好以后refinance成regular loan | c*******o
发帖数: 5387 | 6 Construction loans are story loans. That means that the lender has to know
the story behind the planned construction before they're willing to loan you
money. Because it's a story loan, it's not going to be standardized like
mortgage loans underwritten to Freddie Mac or Fannie Mae guidelines. That
said, there are some common features to a construction loan. Construction
loans typically require interest-only payments during construction and
become due upon completion. Completion for homeowners means that the house
has its certificate of occupancy.
Construction loans are usually variable-rate loans priced at a spread to the
prime rate or some other short-term interest rate. You, the contractor and
the lender establish a draw schedule based on stages of construction, and
interest is charged on the amount of money disbursed to date.
Another variable in construction loans is how much of the project cost the
lender is willing to lend. If you already own the land, then that can be
considered as equity on the construction loan.
Many homeowners use construction-to-permanent financing programs where the
construction loan is converted to a mortgage loan after the certificate of
occupancy is issued. The advantage is that you only have to have one
application and one closing.
Depending on your view on interest rate trends, you could also purchase a
rate-lock agreement valid through the expected completion of the
construction. Just make sure you allow for the inevitable construction
delays.
A construction loan, unlike a mortgage, isn't meant to be around for a long
time. If you're taking out a $200,000 construction loan for six months and
you pay an extra 0.5 percent on the loan, it costs you an additional $250. (
Assumes an average $100,000 loan balance over a six-month construction
period.)
You may be willing to pay a higher rate on the construction loan if you're
doing construction-to-permanent financing and can get better mortgage terms
or a longer, better rate lock from that lender. | c********n
发帖数: 731 | | o*****p
发帖数: 5952 | |
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