b***r
发帖数: 4186 | 1 72w的房子，
好像利息都差不多？FHA还要加个2.25%的premium? |
N**s
发帖数: 1916 | 2 Conventional better if you want to put 10%down.
Fha more expensive and you
May not qualify |
s********d
发帖数: 2216 | 3 不能凑足 20%？
如果短时间内不能凑足另外的 10%（2-3 年），而且只能在 FHA 和 conventional 之
间选择，我推荐 FHA。
FHA 有 2.25%, 还有 0.5% 的 MIP，但是 rate 稍好点。房价跌了，也可以重新 refi
，无需 appraisal。
如果你觉得一两年内pay down 另外的 10%， 或房价上涨，现在就选closing cost 最
低的，包括 upfront premium 最少甚至没有的。 |
n*********6
发帖数: 310 | 4 conventional可以只放10%？我一直以为一定要放20%的
借地问个问题，美国人一般用conventional是放多少down pay的？
我正准备买的一房房主是从builder那直接买的，所以查不到交易价格，只能查到他03
年时贷款是32万多一点，贷款类型是conventional，这样可以估计出交易价格吗？ |
w*n
发帖数: 5041 | 5 我也一直以为conventional是最少放20%... 如果他刚好放了20%, 你就可以用贷款额除
0.8算出来了呀.
对lz, 推荐走2个贷款, 一个小额的补足你的20%, 然后房子的贷款就走conventional;
这样尽快把小额贷款还清, 就不用交FHA的那个insurance了.
另外你如果全部FHA, 利率还能不能拿到一样的呢?...
03
【在 n*********6 的大作中提到】
: conventional可以只放10%？我一直以为一定要放20%的
: 借地问个问题，美国人一般用conventional是放多少down pay的？
: 我正准备买的一房房主是从builder那直接买的，所以查不到交易价格，只能查到他03
: 年时贷款是32万多一点，贷款类型是conventional，这样可以估计出交易价格吗？
|
c********e
发帖数: 2726 | |
b***r
发帖数: 4186 | 7 可以的，有个72w的CAP
【在 c********e 的大作中提到】
: 30万以上的房子，不能申请FHA。
|
m*******0
发帖数: 61 | 8 For single family house, you have to pay at least 5-year mortgage insurance
at front if you use FHA. If you have the ability to pay off another 10%
principle within the first several years, then conventional loan leaves you
the flexibility to waive the mortgage insurance earlier.
Condo or townhouse is another story.
【在 b***r 的大作中提到】
: 72w的房子，
: 好像利息都差不多？FHA还要加个2.25%的premium?
|
b***r
发帖数: 4186 | 9 Really?
我们是买SFH啊，要5年？那要3w夺得PMI阿
insurance
you
【在 m*******0 的大作中提到】
: For single family house, you have to pay at least 5-year mortgage insurance
: at front if you use FHA. If you have the ability to pay off another 10%
: principle within the first several years, then conventional loan leaves you
: the flexibility to waive the mortgage insurance earlier.
: Condo or townhouse is another story.
|
m*******0
发帖数: 61 | 10 It's true if your mortgage terms are more than 30 years. If you use 15-year
mortgage, FHA seems better.
check this website: http://www.fhaloan.com/fha_mortgage_insurance.cfm
"FHA's monthly mortgage insurance payments will be automatically terminated
when these conditions occur:
•For mortgages with terms more than 15 years, the annual mortgage
insurance premiums will be canceled when the Loan to Value ratio reaches 78%
, provided the mortgagor has paid the annual premium for at least 5 year
【在 b***r 的大作中提到】
: Really?
: 我们是买SFH啊，要5年？那要3w夺得PMI阿
:
: insurance
: you
|
