s*******y
发帖数: 136 | 1 合同还没有最后签，buyer agent说seller要6月18日close,因为他们新买的要搬去的房
子6月20日close，这么短的时间，贷款来得及吗？
buyer agent今天给了我们一个表，列了一些cost. 见附件。第一次买房，什莫也不懂
。请问：哪些是贷款银行相关费用？ 贷款broker说没有rebate,但是可以waive贷
款银行相关费用。
可以Inspection的同时贷款吗？ 万一Inspection不过，怎么办？
谢谢。 |
b********2
发帖数: 5191 | |
R********8
发帖数: 45 | 3 現在Open escrow , 6/18 close 是做得到的。申請貸款和inspection 不沖突。但可等
inspection 沒問題時再做銀行估價。因為估價得預付費用。關於費用，若在加州可連
繫以下。
http://www.mitbbs.com/club_bbsdoc/Mortgagepro.html |
o*****p
发帖数: 5952 | |
k*x
发帖数: 1829 | 5 closing fee 1W5？
有贷
【在 s*******y 的大作中提到】
: 合同还没有最后签，buyer agent说seller要6月18日close,因为他们新买的要搬去的房
: 子6月20日close，这么短的时间，贷款来得及吗？
: buyer agent今天给了我们一个表，列了一些cost. 见附件。第一次买房，什莫也不懂
: 。请问：哪些是贷款银行相关费用？ 贷款broker说没有rebate,但是可以waive贷
: 款银行相关费用。
: 可以Inspection的同时贷款吗？ 万一Inspection不过，怎么办？
: 谢谢。
|
s*******y
发帖数: 136 | 6 you think it is high or low?
【在 k*x 的大作中提到】
: closing fee 1W5？
:
: 有贷
|
i*b
发帖数: 184 | 7 Are you from PA? We are looking for a house in Philly suburbs recently and
was informed that one has to pay at least 12 month of taxes in escrow as the
closing cost. So from what I have learned, this closing cost is normal. The
escrow and transfer tax are required here in PA and the combination takes
almost up to $10k.
More about transfer tax here in PA: 1% for state and 1% for county/school
district, so 2% total; it is usually split between buyer and seller (1% for
each party). In some school district though, the tax rate is more than 1%. |
k*x
发帖数: 1829 | 8 母鸡阿，偶也是新手。
【在 s*******y 的大作中提到】
: you think it is high or low?
|
s*******y
发帖数: 136 | 9 Thank you! Shake hands:)
the
The
for
【在 i*b 的大作中提到】
: Are you from PA? We are looking for a house in Philly suburbs recently and
: was informed that one has to pay at least 12 month of taxes in escrow as the
: closing cost. So from what I have learned, this closing cost is normal. The
: escrow and transfer tax are required here in PA and the combination takes
: almost up to $10k.
: More about transfer tax here in PA: 1% for state and 1% for county/school
: district, so 2% total; it is usually split between buyer and seller (1% for
: each party). In some school district though, the tax rate is more than 1%.
|
k***a
发帖数: 2400 | 10 如果没有特殊情况， 6/18 COE应该来得及。 |
l****3
发帖数: 896 | 11 正在看房中的新手看不太懂这些费用。
1. 为什么交那么多次homeowners insurance？closing cost里有1000 homeowners
insurance，escrows里又交两个月，ongoing monthly payment里也要交？
2. escrows里交的税跟ongoing monthly payment里的real estate tax一样吗？
3. escrows里为什么school tax交13个月，而别的税是7个月？还有为什么要reimburse
seller？ |
s*******y
发帖数: 136 | 12 I thought lower merion has the highest school district tax, and it is good
to know that there are higher ones, haha:)
the
The
for
【在 i*b 的大作中提到】
: Are you from PA? We are looking for a house in Philly suburbs recently and
: was informed that one has to pay at least 12 month of taxes in escrow as the
: closing cost. So from what I have learned, this closing cost is normal. The
: escrow and transfer tax are required here in PA and the combination takes
: almost up to $10k.
: More about transfer tax here in PA: 1% for state and 1% for county/school
: district, so 2% total; it is usually split between buyer and seller (1% for
: each party). In some school district though, the tax rate is more than 1%.
|
s*******y
发帖数: 136 | 13 what is COE? Thank you
【在 k***a 的大作中提到】
: 如果没有特殊情况， 6/18 COE应该来得及。
|
