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全部话题 - 话题: cost
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W***n
发帖数: 11530
1
The cost of owning your car? $9,000 a year
Larry Copeland, USA TODAY 12:01 a.m. EDT April 16, 2013
The cost of owning a car is up about 2% over last year, driven largely
by higher maintenance costs
Maintenance costs rose as extended warranty policy prices went up due to
more people filing claims
Insurance, fuel, depreciation costs also went up; the cost of tires was
unchanged at 1 cent per mile
The average owner of a sedan has to shell out nearly $10,000 a year to own
and operate tha... 阅读全帖
y****r
发帖数: 3036
2
☆─────────────────────────────────────☆
Yankees (iChoke) 于 (Mon Apr 2 23:35:53 2012, 美东) 提到:
no cost refinance咱家也做过几次了,每次都是先交500左右的deposit,closing的时候
再退还给我.其中有一次因为某种原因没做下去,deposit就被broker收走了.
一直以为这就是standard practice,也没觉得不妥.今天有人说做refinance不用交
deposit,真有这事吗? 大家都是这样吗? 我TMD亏大啦!
☆─────────────────────────────────────☆
cengyiyi (别了,YIYI) 于 (Mon Apr 2 23:44:51 2012, 美东) 提到:
按照规矩,是要deposit的,但是有人不按规矩做,口口声声咱们朋友,面一点的
broker也是拿“你”没办法的。

☆─────────────────────────────────────☆
bbppb (活跃版面, 匹夫... 阅读全帖
W***n
发帖数: 11530
3
来自主题: Automobile版 - About the 5-Year Cost to Own Awards - KBB
About the 5-Year Cost to Own Awards
The U.S. economy is purported to be strong and getting stronger, but you
will have a hard time convincing many Americans that is the case when they
look at their monthly budgets. Yes, fuel prices are down, but many consumers
have seen their paychecks flatten out, dip or even disappear as companies
downsize, trim hours and move staff from full-time to part-time. Even those
whose wages are rising and jobs seem secure have seen their savings and
investments take ... 阅读全帖
W***n
发帖数: 11530
4
来自主题: Automobile版 - How much does it cost to own a car in 2014?
By Kim Peterson MoneyWatch May 13, 2014, 8:13 AM
How much does it cost to own a car in 2014?
You're paying more for a summer barbecue, a fast-food burrito and a new
Netflix subscription this year, but behind the wheel you're getting a
bargain.
That's because it's actually gotten cheaper to own a car, according to a new
study by AAA. It now costs an average of $8,876 to own and drive a typical
sedan, or 2.7 percent less than the $9,122 it cost last year.
Why the drop in price? It's mostly because... 阅读全帖
v*******d
发帖数: 16
5
请符合条件的站内联系。。。
SENIOR COST ACCOUNTANT
Simply Biotech specializes in recruiting exclusively for San Diego's biotech
and device community. We are currently seeking a Sr. Cost Accountant for a
leading North San Diego County firm.
The qualified Sr. Cost Accountant will be responsible for performing
professional cost accounting functions. This person maintains and monitors
cost and manufacturing accounting processes for all business unit locations
and is responsible for the timely and accurate collect... 阅读全帖
l*******0
发帖数: 95
6
My solution should be correct. It prints the followings when you run the
code
min cost = 2
B = 1 2 2 3
public class MinAdjustment {
public int[] adjust(int[] A, int target) {
// state: cost[i][v] - the total cost of changing A[i] to v, where v
belongs to [0, max]
// init: cost[0][v] = |A[0] - v|;
// function: cost[i][v] = min(cost[i-1][v - target ... v + target])
+ |A[i] - v|
// where v, v - target and v + target all belong to [0,
max]
... 阅读全帖
j***z
发帖数: 74
7
No Closing Cost贷款是如何实现的呢?
不管你是走进银行,还是和贷款公司,你的贷款交易都是由三方组成:Lender,
Mortgage Broker, 和Borrower。每一笔贷款都有交易费用。贷款费用主要有两项:
Origination和Lending的费用。Origination的费用就是贷款经纪公司收取的费用,
Lending的费用就是由Lender收取的手续费用。通常说的Closing Cost就是指这两项的
和,从几千到一万不等。这笔费用由谁出呢?答案是:可以是Lender,也可以是
Borrower,也可以是Lender和Borrower一起出。
贷款经纪公司(MB)从Lender拿到的是Whole Sale的利息,而卖给Borrower的则是Retail
的利息,通过这个利差可以从Lender那儿收取回扣。利息差越大,回扣就越大。如果你
的贷款经纪将一部分的回扣返回给你用到贷款费用上,使你的贷款费用变成0,甚至是
负数,这样你的贷款就变成了No Closing Cost的贷款了。
No Closing Cost贷款有何好处?
1. 可以减轻贷款时的现金压力:... 阅读全帖
t*d
发帖数: 1290
8
来自主题: Biology版 - the Real Cost of Sequencing
http://www.genomeweb.com//node/980559?hq_e=el&hq_m=1103092&hq_l
----------------------------------------
A recent study by scientists at Yale University suggests that the actual
cost of sequencing may be much higher than some current estimates indicate
since those figures may not factor in the analysis costs that are necessary
for a successful sequencing project.
In the paper, published in Genome Biology last month, Yale's Mark Gerstein
and colleagues consider costs that weren’t taken into accou... 阅读全帖
l****z
发帖数: 29846
9
Obamacare's Gross Costs Double to $1.76 Trillion, CBO Projects
Wednesday, March 14, 2012 10:29 AM
By: Richard Wagner and Martin Gould
The gross costs of the national healthcare law rammed through Congress by
President Barack Obama will reach an estimated $1.76 trillion over 10 years
– nearly twice the amount originally projected.
The figure, which the Congressional Budget Office (CBO) revealed on
Wednesday, is bound to cause embarrassment to the administration as it comes
just as debate on “Obam... 阅读全帖
b********2
发帖数: 5191
10
来自主题: Living版 - no closing cost
通过Final HUD上面列出的各项费用,可以计算出Refinance closing cost,下面是一
些比较常见的cost:
Lender fee - included in the origination charge.
appraisal fee (POC - paid out of closing)
credit report
tax service
flood certification
title charges
government recording fee
reconveyance fee to old lender
recording fee to old lender
把上面的费用加起来就是closing cost。
lender fee = origination charge - broker commission
=========================================================
明白了closing cost,可以计算出client有没有付closing cost,这个有两个算法。
一种是看做贷前后,你的... 阅读全帖
g********s
发帖数: 3652
11
来自主题: LosAngeles版 - Cost Accountant-Santa Barbara (转载)
【 以下文字转载自 JobMarket 讨论区 】
发信人: AngelaQi (Angela), 信区: JobMarket
标 题: Cost Accountant-Santa Barbara
关键字: Pay range is 75k to 100k/year,Direct Hire
发信站: BBS 未名空间站 (Tue Apr 15 13:40:10 2014, 美东)
Cost Accountant
Duties and Responsibilities
• Support an accurate and on time monthly close and reporting cycle
, including preparation of all inventory related reconciliations.
• Prepare and enter cost and inventory-related journals entries,
including freight, inventory and reserve entri... 阅读全帖
l****z
发帖数: 29846
12
by: Alex Nussbaum
February 12, 2014
(Bloomberg) — Health insurers told to pay $150 billion in taxes over a
decade to help fund Obamacare are now shifting at least part of that cost
back to taxpayers.
Congress passed the insurer tax four years ago to help cover the uninsured
under the Affordable Care Act. Now, the industry is pushing to include some
of the cost in contracts with Medicaid programs for the poor that are
jointly funded by state and federal governments.
The strategy may add $36 billi... 阅读全帖
l****z
发帖数: 29846
13
The Worst of Both: The Rise of High-Cost, Low-Capacity Rail Transit
By Randal O'Toole
June 3, 2014
Most new rail transit lines in the United States and around the world are
either light rail, including lines that sometimes run in or cross city
streets, or heavy rail, which are built in exclusive rights of way, usually
elevated or in subways. Heavy rail costs far more to build than light rail,
but the capacity of light rail to move people is far lower than heavy rail.
In fact, the terms light and... 阅读全帖
A******i
发帖数: 34
14
来自主题: Classified版 - Cost Accountant-Santa Barbara
Cost Accountant
Duties and Responsibilities
• Support an accurate and on time monthly close and reporting cycle
, including preparation of all inventory related reconciliations.
• Prepare and enter cost and inventory-related journals entries,
including freight, inventory and reserve entries.
• Understand and apply GAAP accounting principles, procedures,
guidelines and business rules.
• Develop and maintain costing system including overhead pool
analysis betwee... 阅读全帖
A******i
发帖数: 34
15
来自主题: JobMarket版 - Cost Accountant-Santa Barbara
Cost Accountant
Duties and Responsibilities
• Support an accurate and on time monthly close and reporting cycle
, including preparation of all inventory related reconciliations.
• Prepare and enter cost and inventory-related journals entries,
including freight, inventory and reserve entries.
• Understand and apply GAAP accounting principles, procedures,
guidelines and business rules.
• Develop and maintain costing system including overhead pool
analysis betwee... 阅读全帖
l****z
发帖数: 29846
16
来自主题: USANews版 - ObamaCare's Costs Are Soaring
We already know the rosy budget estimates used to sell the law were wrong.
By RON JOHNSON
One year after the passage of ObamaCare, this paper published an op-ed I
wrote ("ObamaCare and Carey's Heart") about how America's health-care system
saved my daughter's life, and describing how implementing this law will
limit innovation, lead to rationing, and lower the quality of care. Now, two
years out, I would like to focus on the budgetary disaster.
As a candidate, Barack Obama repeatedly claimed tha... 阅读全帖
l****z
发帖数: 29846
17
Lawmaker wants answers after cost estimate for health insurance aid rises by
$111B
Published March 02, 2012
WASHINGTON – Cost estimates for a key part of President Obama's health
care overhaul law have ballooned by $111 billion from last year's budget,
and a senior Republican lawmaker on Friday demanded an explanation.
House Ways and Means Committee Chairman Dave Camp, R-Mich., wants to know by
Monday why the estimated ten-year cost of helping millions of middle-class
Americans buy health insur... 阅读全帖
l****z
发帖数: 29846
18
Executive Summary
Ohio has a rapidly growing illegal alien population of about 110,000 persons
, nearly tripling since 2000. That population represents a major burden on
the state's taxpayers and on the state budget. The costs imposed on law-
abiding Ohioans are unfair and unwelcome even in the best of times, but are
especially burdensome at a time when the state is facing an $8 billion
revenue deficit which has led to a proposed slashing of funding for local
governments by 25 percent in fiscal ... 阅读全帖
l****z
发帖数: 29846
19
来自主题: USANews版 - Health Care Shift Raises Cost
After David Hubbard underwent a routine echocardiogram at his cardiologist's
office last year, he was surprised to learn that the heart scan cost his
insurer $1,605. That was more than four times the $373 it paid when the 61-
year-old optometrist from Reno, Nev., had the same procedure at the same
office just six months earlier.
"Nothing had changed, it was the same equipment, the same room," said Dr.
Hubbard, who has a high-deductible health plan and had to pay about $1,000
of the larger bill o... 阅读全帖
k******t
发帖数: 1498
20
来自主题: Accounting版 - Startup cost如何报税?
大家好,我现在筹备成立一个公司,关于startup cost deduction有些疑问,希望班上
的专业人员能帮我解答:
http://www.sba.gov/community/blogs/community-blogs/small-busine
tup-cost-tax-deductions-%E2%80%93-how-write-expense
其中一段:
How Much Can You Deduct?
If you started your business in 2011, had startup costs of $50,000 or less,
and incurred startup and/or organizational expenses after October 22, 2004,
you can deduct up to $5,000 in business startup costs on your 2011 tax retur
n. If those startup costs exceed $50,000, the $5,000 first-ye... 阅读全帖
l****z
发帖数: 29846
21
BY: Elizabeth Harrington
September 23, 2014 5:00 am
Administration efforts to cut red tape have actually added $23 billion in
costs to the economy this year, according to a new report released by the
American Action Forum (AAF).
Cabinet agencies are required to issue a “retrospective review” every six
months on how they are improving burdensome regulations, in order to comply
with Executive Order 13563, which was issued by President Barack Obama in
January 2011. However, AAF has found that th... 阅读全帖
l****z
发帖数: 29846
22
Obama’s War on Coal Is Driving up Energy Costs, Disproportionately
Affecting the Poor
In June of 2013, former science advisor to the Obama administration Daniel
Schrag told [1] the New York Times that:
“The one thing the president really needs to do now is to begin the
process of shutting down the conventional coal plants. Politically, the
White House is hesitant to say they’re having a war on coal. On the other
hand, a war on coal is exactly what’s needed.”
The president’s war is working.
A... 阅读全帖
b********2
发帖数: 5191
23
根据贷款人的条件不同, 贷款的Cost也不同。 但总的来说可以分为三部分:
Appraisal Fee + Credit Report Fee
Lender Fee
Escrow Fee
其中Lender Fee 和Escrow Fee又包括很多不同的收费项目。作为申请人,不用明白每
一个细节,只要是no closing cost, 就应该cover这些费用。
如果是Refinance,贷款方只有一个, 上面的费用大致可以确定。
如果是Purchase Loan,因为涉及Seller和Buyer双方, Seller会付一部分Cost,同时
Escrow也是Seller选定的,作为buyer的loan agent,一定要有Contract和Escrow才能确
定Buyer要付的Cost.
Closing Cost除了上面的三部分,严格来说还包括Broker commission和interest,
property tax, insurance(如果是impound)等等. Broker commission加上Lender Fee
总称Origination Fee.但是因为Broke... 阅读全帖
s*****t
发帖数: 321
24
来自主题: Living版 - no cost refinance question
因为我是coop, refinance 就是剩余的loan。
那这样是不是说,我的no cost refinance的new loan
应该就差不多是剩余的贷款?因为我没有tax和insurance。
我那个agent 当时给我提供了两个evaluation.
有cost的利率低一些, loan 就是剩余的贷款。
另外一个no cost的利率高一点,但是loan就多了3000多,
她说是把closing cost 算到 new loan里面了。
我感觉就是no cost 也是有cost的只是放到loan了,
而且利息高点。总觉得好像有什么不对。
看大家的回复,好像不应该是这样。
请问这个no cost new loan是会比有cost 的new loan
多吗?。谢谢!
l****z
发帖数: 29846
25
As health care reform marks its one-year anniversary, a new Deloitte report
reveals that consumers are spending $363 billion, or 14.7 percent more, on
health care than traditionally reported in official government accounts.
This spending falls outside of conventionally-counted health care costs such
as doctors, prescriptions, hospitals, and health insurance coverage.
Demonstrating the significance of the amount consumers now spend on health
care, the additional costs captured in the new Deloitte... 阅读全帖
a**e
发帖数: 8800
26
Net: 为了所谓的绿色能源,2007,在左派推动下,立法要求在汽油里加入ethanol。
O8大力推动种植玉米生产ethanol。仅仅6年,后果已经在那里了。
大面积的原始植被/湿地变成玉米地,水土流失,被化肥污染的水进入水系,甚至影响
到饮用水,流入的污染水在墨西哥湾造成大面积的死亡区,水体生物灭绝。
最有意思的地方在于,生产ethanol的前期后期要花费的能量比生产出的ethanol能产生
的能量多。
AP Investigation: Obama's green energy drive comes with an unadvertised
environmental cost
http://news.yahoo.com/secret-dirty-cost-obamas-green-051200204.
CORYDON, Iowa (AP) -- The hills of southern Iowa bear the scars of America's
push for green energy: The brown gashes where rain has washed ... 阅读全帖
g*****9
发帖数: 4125
27
来自主题: Living版 - refinance 有什么cost吗?
No cost refi may not be the best option.
You are paying her work and cost to refi one way or the other.
No cost means she is not getting you the best possible rate, so the cost (
and she get paid) from the back end of this deal.
Sometimes if you have equity in the house, you can roll the cost in to the
new loan, so you are paying the cost but at no up front of the cost to you
and you can get the lowest rate possible.
Refi or not also depend on how long you plan to stay in the current house.
You
d******n
发帖数: 2712
28
一般no cost ref能拿到的rate都比同期买房自己付cost的客人拿到的rate高,中间的
差价实际上就是用来帮客人付cost的。cost基本就是银行收费,appraisal fee,title
相关的费用,和government recording fee。像prepaid interest和escrow帐户的
deposit,客人在close的时候还是需要自己付的。
如果发现把所有费用打到总贷款额了去了,那基本就是被人骗了。
也不是竞争激烈的问题,有些州mortgage的cost比较低,才有可能提供这样的选择给客
人。对于mortgage cost高的州,竞争再激烈也没办法offer no-cost refi。
h*****u
发帖数: 473
29
I have a silly question..Does "zero cost refinance" really mean "no cost at
all"? My husband told me there's no real zero cost refi because the bank
just rolls over the cost to your loan. Every bank that he checked asked for
some kind of closing cost, including origination fee/point/appraisal/
underwriting fees.....about $5k-6k
But everybody here are talking about zero cost re-fi. So I'm confused. Let's
say if my principal is 170k now, zero cost re-fi means your loan amount
will still be 170k?
I... 阅读全帖
J**S
发帖数: 25790
30
我这么问,是国庆日ING有个促销:
Apply for an Easy Orange or Orange Mortgage and get up to $1,776 off your
closing costs.
我试了一下,居然贷款50K要7K的CLOSING COST。这个CLOSING COST难道包括买房子的
律师费,title insurance, 各种税?
如果不向ING贷款,这个CLOSING COST还是要交,只是不是交给ING,那交给谁?
还是有两种CLOSING COSTS?一种是买房子就要交的 CLOSING COST 包括二楼所说的买房
子的律师费,title insurance, 各种税,; 另一种是贷款银行的CLOSING COST。
d******n
发帖数: 2712
31
来自主题: Living版 - 关于refinance的no cost怎么理解
如果把cost打到loan amount里,建议LZ就换broker吧。
这样很不划算的,还要为cost交利息。
通常,cost是用我们的profit来cover的,就是说在closing的时候,客人只需要pay
refi的loan比之前loan的balance少的部分,如果有的话。以及,prepay interest,
escrow账户里的property tax和homeowner insurance的deposit。其他费用包括lender
fee,appraisal fee,title fee,government recording fee等都由broker或者loan
officer支付。
no cost refi能拿到的rate要比同期自己付cost所拿到的高些,这也是可以cover cost
的profit的来源。
但对于refi来讲,rate降了就是降了,虽然无法降到最低,但不需要额外付cost就是划
算的。
b********4
发帖数: 442
32
来自主题: Living版 - 菜鸟求教no closing cost 问题
根据贷款人的条件不同, 贷款的Cost也不同。 但总的来说可以分为三部分:
Appraisal Fee + Credit Report Fee
Lender Fee
Escrow Fee
其中Lender Fee 和Escrow Fee又包括很多不同的收费项目。作为申请人,不用明白每
一个细节,只要是no closing cost, 就应该cover这些费用。
如果是Refinance,贷款方只有一个, 上面的费用大致可以确定。
如果是Purchase Loan,因为涉及Seller和Buyer双方, Seller会付一部分Cost,同时
Escrow也是Seller选定的,作为buyer的loan agent,一定要有Contract和Escrow才能确
定Buyer要付的Cost.
Closing Cost除了上面的三部分,严格来说还包括Broker commission和interest,
property tax, insurance(如果是impound)等等. Broker commission加上Lender Fee
总称Origination Fee.但是因为Broke... 阅读全帖
e******r
发帖数: 176
33
关于closing cost银行的document上写着:
$XXX towards Buyer's non-recurring closing costs, discount points, and if
applicable, Buyer's Non-allowable FHA/VA costs;
哪些部分的费用属于Closing cost?Property Tax? Insurance?算嘛? 如果算这些
都可以用银行给的closing cost来付嘛?付完closing cost一般会剩多少给discount
points?
这句话该怎么理解?这些钱怎么用比较合算呢?
跪求大牛给科普下阿阿阿阿阿阿阿阿
我现在的closing cost大约$15,000
c*******r
发帖数: 2012
34
如果有incentive当然先拿到最好。不过这个也有水分,因为他们在closing cost上会
给你比外面高不少,让他们自己的关系户先赚一笔,不过这个也是没办法的事情。你想
拿incentive就得给些回扣回去。
的确,可以几个月后再做0 cost refinance。不过你得记住,其实0 cost并不真的是0
cost,你的closing cost会体现在你贷款总额增加上。所以你incentive上得的好处还
有一部分会付你将来的closing cost。
还有,贷款jumbo loan不好,比较难贷而且利率,closing cost高。jumbo loan是指超出417K的loan,因为这种loan金额大,风险比普通loan高。在jumbo loan以下你能贷款的情况下,越高agent拿的commission就越多,所以他们会越卖力帮你做,但如果贷款额不是太低的情况下利率都一样。贷款太低,agent拿的commission少就会打你利率的主意,他可以拿卖点子的钱。你现在的370k的loan金额上很好,最适合拿最低利率而且agent也有得赚,他们一般不会打其他主意,尤其你可以告诉他... 阅读全帖
a*****g
发帖数: 19398
35
Responding to Concerns from Students, Families and Educators, CPS Restores
Bell Times at 34 Schools
40 Schools Keep New Times, 8 Others Agree to an Alternative;New Schedule
Will Reduce Transportation Costs by $5 Million
Responding to feedback from students, families and educators, the Board of
Education and Chicago Public Schools are reverting bell times at 34 schools
who have expressed concerns about shifting bell times. The adjusted
schedules will save the District $5 million in transportatio... 阅读全帖
a*****g
发帖数: 19398
36
Responding to Concerns from Students, Families and Educators, CPS Restores
Bell Times at 34 Schools
40 Schools Keep New Times, 8 Others Agree to an Alternative;New Schedule
Will Reduce Transportation Costs by $5 Million
Responding to feedback from students, families and educators, the Board of
Education and Chicago Public Schools are reverting bell times at 34 schools
who have expressed concerns about shifting bell times. The adjusted
schedules will save the District $5 million in transportatio... 阅读全帖
e******r
发帖数: 176
37
关于closing cost银行的document上写着:
$XXX towards Buyer's non-recurring closing costs, discount points, and if
applicable, Buyer's Non-allowable FHA/VA costs;
哪些部分的费用属于Closing cost?Property Tax? Insurance?算嘛? 如果算这些
都可以用银行给的closing cost来付嘛?付完closing cost一般会剩多少给discount
points?
这句话该怎么理解?这些钱怎么用比较合算呢?
跪求大牛给科普下阿阿阿阿阿阿阿阿
我现在的closing cost大约$15,000
b******y
发帖数: 203
38
In economics and business decision-making, sunk costs are retrospective
(past) costs that have already been incurred and cannot be recovered.
Sunk costs are sometimes contrasted with prospective costs, which are
future costs that may be incurred or changed if an action is taken. Both
retrospective and prospective costs may be either fixed (that is, they
are not dependent on the volume of economic activity, however measured)
or variable (dependent on volume).
In traditional microeconomic theory,
a*****g
发帖数: 19398
39
Responding to Concerns from Students, Families and Educators, CPS Restores
Bell Times at 34 Schools
40 Schools Keep New Times, 8 Others Agree to an Alternative;New Schedule
Will Reduce Transportation Costs by $5 Million
Responding to feedback from students, families and educators, the Board of
Education and Chicago Public Schools are reverting bell times at 34 schools
who have expressed concerns about shifting bell times. The adjusted
schedules will save the District $5 million in transportatio... 阅读全帖
l****z
发帖数: 29846
40
Michelle Obama 2-Day Hotel Stay in China Costs $222K
First lady's group used 144 rooms at Shangri-La Hotel.
10:09 AM, Apr 29, 2014 • By JERYL BIER
Michelle Obama wrapped up her March visit to China with a stop in Chengdu,
arriving on March 25 and departing for the United States on the following
day. But that one leg of the trip alone required about 900 room nights,
ranging from 21 rooms beginning on March 13 for the advance team to a peak
of 144 rooms when the first lady herself was at the... 阅读全帖
m*****k
发帖数: 731
41
can be simplified:

//NEW LINE
int currentMinCost = 0;
for(int i = 1; i < A.length; i ++) {
currentMinCost = Integer.MAX_VALUE;
for(int v = 0; v < range; v ++) {
// calculate the min cost for changing A[i] to v
cost[i][v] = Integer.MAX_VALUE;
for(int diff = -1 * target; diff <= target; diff ++) {
int v1 = v + diff;
if(v1 < 0) continue;
... 阅读全帖
d******n
发帖数: 2712
42
来自主题: Living版 - 问一个REFINANCE 0 COST的问题
LZ的情况不是我们通常做的no cost refi。no cost refi所拿到的rate确实要比同时期
cost自付情况下能拿到的rate高,但是客人确实不需要为这次refi付cost。
如果把cost打到loan amount里,LZ岂不是在付cost之余还要赔上利息?
d******n
发帖数: 2712
43
前两天刚帮一个网友算过,把cost放在loan里,如果不及时将cost金额换掉,那么相当
于客人自己慢慢还cost加上cost产生的利息。
另外,不能用前一个的note rate和后一个的APR相比,正常情况下appraisal fee,
goverment recording, 加上title里面除了settlement以外的费用都不计入APR。
escrow的deposit也不算。
我深刻觉得以增加Loan amount达到所谓no cost的效果是个骗局。
b********3
发帖数: 994
44
来自主题: Living版 - 哪里有纽约州的NO COST REFINANCE
纽约refinance这么高的成本,怎么no cost。。
No cost其实是相对了,用比full cost高出一点的利息来cover closing cost,前提就
是closing cost不是很高的情况下。
如果closing costs高了,那高出的利息就不是一点半点,这种利息你听了估计就直接
走人了。
k******o
发帖数: 3328
45
Closing cost includes title, escrow, lender, appraisal, etc regardless it is refinance or purchase. Of course, there are more fees in purchase than refinance. Let's suppose they have the exact same charged items.
If you do refinance, normally, your mortgage broker has already
negotiated a deal for you with title and escrow and get a good price for it, that is why refinancing could be done with No Point No Fee since the closing cost is known, or at least in some manageable range.
Whereas for purc... 阅读全帖
r******d
发帖数: 1879
46
来自主题: Living版 - no cost refinance question
NO cost means all the refinance related cost will be cover, you only need to
pay:
1. loan amount difference
2. inerests for both lenders
3. propoerty tax if still open
4. home insurance if need to be renewed
other than those money ( which you always need to pay), all the rest cost
such as credit score checking, appraisal fee, under writing fee, escrow fee
, flood cert fee, tax certificate fee, reconveyance fee/forwarding fee, loan
originaltion fee, processing fee, documetation fee, notary fee, ... 阅读全帖
I******A
发帖数: 426
47
大家都在说no cost,但不同的agent对no cost的定义不完全一样.
买房贷款中的cost主要包括:
1.产权费用(Title Service and Title Insurance)
2.政府收费(Recording Fee and Transfer Tax)
3.贷款银行的费用(Lender Fees)和房屋估价费(Appraisal Fee)
如果是真正的no point,no cost,以上费用会由agent提供的credit来cover,但利率会比
自己付cost高一点,你只需要在过户的时候付如下费用:
1. Downpayment
2. Property Tax
3. Homeowner Insurance Fee
4. Interest
5. HOA fee if any
I******D
发帖数: 256
48
来自主题: Living版 - 贷款和closing cost问题
先不看你的数字是不是合理,理论上你的方案是行得通的。在银行看来,你们买的是20
万的房子,如果房屋估价也支持这个价格的话,那么银行可以给你贷16万。你自己要出
4万的首付,这个是跑不掉的.seller 给你的2万 closing help只能去付closing cost
和pre-paid item.
1)假设你的closing cost 和 pre-paid item 刚好2万,那么closing的时候你总共要
付的资金就是$4万。
2)如果不这么操作,按18万的价格买房,那么closing的时候你总共要付的资金就是$5
.6万 (20%首付3.6万 + 2万closing cost和pre-paid item.)相当于你把2万closing
cost 的80%放到贷款里面去了。
需要注意的是,如果closing help 太多,多出的部分是不能去付首付的。举个例子,
如果closing help 多了5000, 那么银行认为是房价降了5000,实际房价就只有
195000,银行给你贷的 160000 就是实际房价的82%,(LTV = Loan-to-Value =82%),
首付... 阅读全帖
c**********e
发帖数: 1184
49
一个买房贷款的closing cost一般分四种:
1.Loan Origination (Broker) Fee - 版上的broker一般都不收,所以对您来说,这
一部分是$0.
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,一般费用在$1,100-$1,300
不等。不过您是no cost,所以这部分也是零。
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,根据您的房价和贷款金额,大概是在$3,000 - $4
,000。注意:这部分费用是第三方(Title和Escrow公司)收取的费用,因此无论您和
哪一家broker做,这个费用都是固定的。您是no cost,所以这部分也... 阅读全帖
c**********e
发帖数: 1184
50
一个refinance的closing cost一般分四种:
1.Loan Origination (Broker) Fee - 对于no cost refinance,这一部分是$0.
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,一般费用在$1,100-$1,300
不等。对于no cost refinance,这一部分会被cover住,也就是是$0
3.Title & Escrow Charges - 也就是title和escrow公司收的费用,一般包括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,根据您的房价和贷款金额不等。对于no cost refinance,这一部分会被cover
住,也就是是$0
4.Government Taxes & Recording Fee - 政府收取的费用,一般包括Transfer Tax... 阅读全帖
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