r*******l 发帖数: 38 | 1 lender刚发过来的,有没有啥不正常或者过高的cost还能去讲价,或者根本不该我付的
呀,怕还有啥hidden cost,昨晚和lender扯了半天皮,最后老头不耐烦了的说。。。
谢谢啦!房子总价387k,首付90k。在线等。
Prepaid Finance Charges:
802 Loan Discount Fee (-0.125 Points + $0.00) -$371.25
807 Flood Verification Fee $13.50
801 Document Prep Fee $150.00
801 MERS Assignment Fee $11.95
801 Processing Fee $275.00
801 Underwriting Fee $425.00
831 Verification of Employment $20.00
901 Prepaid Interest (26 days at 3.125%= $25.43 a day) $661.18
1102 Settlement or Closing $265.00
1109 CPL Fee $50.00
Total Prepaid Finance Charges: $1,500.38
Amount Paid to Others on Your Behalf:
801 Loan Origination Fee (0.000 Points + $0.00) $0.00
804 Appraisal Fee $400.00
805 Credit Report Fee $60.00
903 Hazard Insurance Premium ($1,200.00/yr $100.00/mo 12months) $1,200.00
1002 Hazard Insurance ($1,200.00/yr $100.00/mo 2months) $200.00
1004 County Property Taxes ($2,496.00/yr $208.00/mo 5months) $1,040.00
1103 Owners Title Insurance $297.50
1104 Lenders Title Insurance $1,260.75
1202 Recording Fee $115.00
1203 State Tax/Stamps $1,771.15
1303 Pest Inspection $50.00
Total paid to others on your behalf: $6,394.40 | r*******l 发帖数: 38 | 2 自己顶一下,多谢啦!
【在 r*******l 的大作中提到】![](/moin_static193/solenoid/img/up.png) : lender刚发过来的,有没有啥不正常或者过高的cost还能去讲价,或者根本不该我付的 : 呀,怕还有啥hidden cost,昨晚和lender扯了半天皮,最后老头不耐烦了的说。。。 : 谢谢啦!房子总价387k,首付90k。在线等。 : Prepaid Finance Charges: : 802 Loan Discount Fee (-0.125 Points + $0.00) -$371.25 : 807 Flood Verification Fee $13.50 : 801 Document Prep Fee $150.00 : 801 MERS Assignment Fee $11.95 : 801 Processing Fee $275.00 : 801 Underwriting Fee $425.00
| c*****4 发帖数: 900 | 3 首先介绍一下,一个买房贷款的closing cost一般分四种:
1.Loan Origination (Broker) Fee - loan agent的公司收的费用
2.Lender's Charge - 也就是银行审核贷款收的费用,一般包括underwriting fee,
appraisal fee,tax service fee, flood cert fee等等。
3.Title & Escrow Charges - 也就是title和escrow公司收的费用,一般包括Owner's
Title Insurance, Lender's Title Insurance,Settlement Fee等等,这个费用是根
据选定的escrow和title公司决定的,根据你的房价和贷款金额来定,注意,这部分费
用是第三方(Title和Escrow公司)收取的费用而不是提供贷款方收取的费用,因此无
论你和哪一家loan agent做,这个费用都是固定的。
4.Government Taxes & Recording Fee - 政府收取的费用,一般包括Transfer Tax和
Recording Fee。跟上面一样,这一部分不会因为loan agent的不同而不同。
所以,你在shop around的时候,只要把1和2里面的卡好就可以了。你的这个closing
cost我看了一下。Lender那边基本上就是收了一个underwriting fee和appraisal fee
,还可以,不过要看他给你的利率是多少,利率约高,Loan Discount Fee里面的负数
越大(credit给的越多)。其余的费用都在正常范围之内。
Prepaid Finance Charges:
802 Loan Discount Fee (-0.125 Points + $0.00) -$371.25
807 Flood Verification Fee $13.50
801 Document Prep Fee $150.00
801 MERS Assignment Fee $11.95
801 Processing Fee $275.00
801 Underwriting Fee $425.00
831 Verification of Employment $20.00
901 Prepaid Interest (26 days at 3.125%= $25.43 a day) $661.18
1102 Settlement or Closing $265.00
1109 CPL Fee $50.00
Total Prepaid Finance Charges: $1,500.38
Amount Paid to Others on Your Behalf:
801 Loan Origination Fee (0.000 Points + $0.00) $0.00
804 Appraisal Fee $400.00
805 Credit Report Fee $60.00
903 Hazard Insurance Premium ($1,200.00/yr $100.00/mo 12months) $1,200.00
1002 Hazard Insurance ($1,200.00/yr $100.00/mo 2months) $200.00
1004 County Property Taxes ($2,496.00/yr $208.00/mo 5months) $1,040.00
1103 Owners Title Insurance $297.50
1104 Lenders Title Insurance $1,260.75
1202 Recording Fee $115.00
1203 State Tax/Stamps $1,771.15
1303 Pest Inspection $50.00
Total paid to others on your behalf: $6,394.40
【在 r*******l 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 自己顶一下,多谢啦!
| s****a 发帖数: 9912 | 4 你90K的首付是一个不好的数字,20%的话是7万7,25%的话是9万7,也就是
说你拿不到25%的最好利率,20%又多交了不少,出力不讨好,建议只交7万7
做首付,留些钱出来装修买家具 | o*****p 发帖数: 5952 | 5 买房的closing cost 分为—次性和多次性。多次性主要指地税和房屋保险。此文主要
探讨—次性的closing cost.
1. underwriting fee. 这是银行在review你贷款申请的费用。只有你的案子放款了才
有效。
2. processing fee. 这是loan broker company 为了process你的贷款申请而产生的费
用。只有你的案子放款后才有效。
3. government charge. 这包括county recording fee. 由于是政府所收费用,和loan
broker 无关。
4. title and escrow charge. 这是第三方费用,和loan broker 无关。
5. appraisal and inspection fee. 这是为了买房而产生的费用,—旦拿到报告,费
用就产生了,和是否close无关。
这应该是GFE, 若是,一般都会高估。你的价目在可接受范围内,下面是锁利率。 |
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