l**0
发帖数: 194 | 1 这样做对买房者有什么损失？
Escrow公司又有什么收益吗？ | x******g
发帖数: 3952 | 2 是贷款的银行担心你到年底一笔付清的时候没钱。
【在 l**0 的大作中提到】
: 这样做对买房者有什么损失？
: Escrow公司又有什么收益吗？
| j*******n
发帖数: 461 | 3 在快要交地税的时候refinance, Escrow就会收你这笔钱.
Escrow会很快把钱交给county.不觉得他们会有什么收益.
损失的是房主这笔钱在这1-2月的收益. | b********2
发帖数: 5191 | 4 Impound Account（也叫Escrow Account）是指lender设立的一个account. 贷款人在贷
款时候要先在这个account里放六个月的property tax和insurance. 之后每个月除了付
贷款的本金和利息之外，还要将property tax及home insurance一起支付，以后由
lender替房主将该付的地产税和房屋保险按时上交。
The good:
---------
There will be more lender rebate to cover closing cost. Sometimes, the rate
may get better.
The bad:
---------
You will prepay about six months property tax and six months of insurance
during closing.
You will also pay insurance and property tax in your monthly mortgage
payment. The amount is (total amount/12)
In rare case, you may have to follow up with lender who doesn't pay property
tax or insurance on time.
The bonus:
----------
If the cash rebate from lender is more than closing cost, the extra money
will go into your escrow account. Sometimes, the extra money can be as much
as a few thousand dollars. |
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