d***e 发帖数: 476 | 1 比如 40万房子,首付 3.5%=1.4w。在付满20%=8w前,每月交的保险是多少? |
I******s 发帖数: 223 | 2 在贷款额不大于$625,500时分以下四种情况:
1)LTV > 95% and Loan Term > 15 years: Annual Premium = 1.35% * Loan Amount
2) LTV <= 95% and Loan Term > 15 years: Annual Premium = 1.3% * Loan Amount
3) LTV > 90% and Loan Term <= 15 years: Annual Premium = 0.7% * Loan Amount
4) LTV <= 90% and Loan Term <= 15 years: Annual Premium = 0.45% * Loan
Amount
现在Conventional Loan 也有很多能做到3% Down Pay, 所以能选择Conventional 建
议就不要选择FHA。具体可以参考这篇文章。
http://www.mitbbs.com/clubarticle1/MortgageFAQ/31103353_0_1.htm |
o*****p 发帖数: 5952 | 3 强烈不建议用FHA 贷款,太贵。
稍微多一点首付,我们就有其它选项。
加州同学欢迎站内联系。
【在 d***e 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 比如 40万房子,首付 3.5%=1.4w。在付满20%=8w前,每月交的保险是多少?
|
k***a 发帖数: 2400 | 4 一般lender要charge UFMIP (一次性的)1.75%, MIP rate:
if LTV<=95%,1.3%
if LTV >95%,1.35%
UPMIP可以加到loan amount里。
如果在加州,需要FHA loan详情可以联系我。 |