l*****g
发帖数: 153 | 1 卖方报了个价，说cann't afford 低于此价，因为她的银行欠款等等
，差不多这个数，她没有钱补差额。
我感觉是卖方是在讨价还价。有什么办法查卖方欠银行的余额？
只知道卖方姓名，年龄，和贷款银行。 |
p******y
发帖数: 3523 | 2 一般银行不会向第三方透露类似信息。
可以要求卖房提出证据证明loan balance，要求看最近的一张mortgage statement。 |
l*****g
发帖数: 153 | 3 多谢回复。
听说title search reports morgage balance. 可不可以，在卖方签合同之前进行这种
search?
【在 p******y 的大作中提到】
: 一般银行不会向第三方透露类似信息。
: 可以要求卖房提出证据证明loan balance，要求看最近的一张mortgage statement。
|
c**********e
发帖数: 276 | 4 I think the realtor can search and get that information. When I purchased my
first house, my agent sent me that info, but I did not take advantage of it
. Also, you can search the county records, and you may find the loan amount
as well. |
l*****g
发帖数: 153 | 5 thank for the reply. i have never searched county records. which office
should i contact in order to search the records? are there any specific
county records i need ask for?
by the loan amount, do you mean the original principle when the mortgage was
borrowed, or the updated current/recent balance?
my
it
amount
【在 c**********e 的大作中提到】
: I think the realtor can search and get that information. When I purchased my
: first house, my agent sent me that info, but I did not take advantage of it
: . Also, you can search the county records, and you may find the loan amount
: as well.
|
n*******9
发帖数: 3244 | 6 you can check county record, but it will not show the current balance.
normally seller will not cheat on this kind of thing.
【在 l*****g 的大作中提到】
: 卖方报了个价，说cann't afford 低于此价，因为她的银行欠款等等
: ，差不多这个数，她没有钱补差额。
: 我感觉是卖方是在讨价还价。有什么办法查卖方欠银行的余额？
: 只知道卖方姓名，年龄，和贷款银行。
|
l*****g
发帖数: 153 | 7 查出来了，卖方2008年1月贷款 214,200 （10% down）， 30年。
如果用当时全国平均利率6.25%算，到今年初，余额为200K.
据说卖方今年没有还贷款，那late payment = 1320*3= 4K，银行pannelty算1K。
那么，卖方的break even = 218.1 K = 200 + （4 +1） + 218.1* 6%
was
【在 l*****g 的大作中提到】
: thank for the reply. i have never searched county records. which office
: should i contact in order to search the records? are there any specific
: county records i need ask for?
: by the loan amount, do you mean the original principle when the mortgage was
: borrowed, or the updated current/recent balance?
:
: my
: it
: amount
|
l*****g
发帖数: 153 | 8 查出来了，卖方2008年1月贷款 214,200 （10% down）， 30年。
如果用当时全国平均利率6.25%算，到今年初，余额为200K.
据说卖方今年没有还贷款，那late payment = 1320*3= 4K，银行pannelty算1K。
那么，卖方的break even = 218.1 K = 200 + （4 +1） + 218.1* 6%
was
【在 l*****g 的大作中提到】
: thank for the reply. i have never searched county records. which office
: should i contact in order to search the records? are there any specific
: county records i need ask for?
: by the loan amount, do you mean the original principle when the mortgage was
: borrowed, or the updated current/recent balance?
:
: my
: it
: amount
|
f********o
发帖数: 2181 | 9 卖房seller还要付一些closing cost, 几千块吧
另外还要考虑HOA/property tax payment
【在 l*****g 的大作中提到】
: 查出来了，卖方2008年1月贷款 214,200 （10% down）， 30年。
: 如果用当时全国平均利率6.25%算，到今年初，余额为200K.
: 据说卖方今年没有还贷款，那late payment = 1320*3= 4K，银行pannelty算1K。
: 那么，卖方的break even = 218.1 K = 200 + （4 +1） + 218.1* 6%
:
: was
|
g*g
发帖数: 6908 | 10 如果有realtor的话，listing/buyer两边加起来又是5-6%
【在 f********o 的大作中提到】
: 卖房seller还要付一些closing cost, 几千块吧
: 另外还要考虑HOA/property tax payment
|
l*****g
发帖数: 153 | 11 你是说agent commission吧？ 6%不都加进去了吗？
【在 g*g 的大作中提到】
: 如果有realtor的话，listing/buyer两边加起来又是5-6%
|
