i*******0
发帖数: 227 | 1 最近在看房。有些新房子建筑商不肯降基价，只肯返点credit。问题是如果返的credit
超过closing cost， 怎么办？举例说明：
Let's say we are buying a house for $1,000,000, and seller is offering 3% as
credit or sales concession which is $30,000, the buyer agent is also giving
a 2% rebate which is $20,000. So we have about $50,000 credit/concession at
closing. The closing cost (including all fees/escrow) for this with loan
amount of $700,000 would be around $15,000, assuming we are not buying any
discount points for the rate. How would the remaining $35,000 be used?
和local的银行打听了下，貌似如果是sales concession， 可以在银行内部做internal
purchase price adjustment and recalcualte the loan。这可行吗？如果在合同上
注明拿到的是seller credit and buyer agent's commission rebate, 还能做类似的
操作吗？
多谢！ | i*******0
发帖数: 227 | 2 建筑商不肯降房价，只能想法子要点credit. 问了下我们的agent，他的rebate一般是
打入closing cost， 直接写支票有税的问题。这个解释对吗？ | o*****p
发帖数: 5952 | 3 一般作法是降房价 (需卖家同意), cover closing cost, 写支票。
不管哪种途径，以不拿1099表，没有税务烦恼为准。 | c*****4
发帖数: 900 | 4 原则上来说所有的credit是不能超过closing cost的包括impound account。但是有的
lender也许能做principal reduction，也就是把多余的部分immediately apply to
principal after closing，但是允许这样做的lender应该很少。
如果实在不想买discount points，卖家也不降价，问问看他们能否帮你cover一些
repair cost和更换某些室内appliance，再就是看看outside of closing能不能给你一
些补偿。
credit
as
giving
at
internal
【在 i*******0 的大作中提到】
: 最近在看房。有些新房子建筑商不肯降基价，只肯返点credit。问题是如果返的credit
: 超过closing cost， 怎么办？举例说明：
: Let's say we are buying a house for $1,000,000, and seller is offering 3% as
: credit or sales concession which is $30,000, the buyer agent is also giving
: a 2% rebate which is $20,000. So we have about $50,000 credit/concession at
: closing. The closing cost (including all fees/escrow) for this with loan
: amount of $700,000 would be around $15,000, assuming we are not buying any
: discount points for the rate. How would the remaining $35,000 be used?
: 和local的银行打听了下，貌似如果是sales concession， 可以在银行内部做internal
: purchase price adjustment and recalcualte the loan。这可行吗？如果在合同上
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