a****e
发帖数: 2 | 1 Try to buy a house at 250k with 200k loan.
The loan officer said there's 3k-4k cost to pay as below:
Deed Recording Fee Estimated $18.50
Deed of Trust (DOT) Release Estimated $27.00
Deed Tax Estimated $1,750.00
Mortgage Tax Estimated $1,100.00
Recording Fee Estimated $180.00
Total Government Taxes and Fees $3,075.50 (sum of above)
He said it's the same for all lenders. And it's different than prepaid
insurance, property tax, interest.
Is this normal or should be covered by the bank?
Thanks! | b*d
发帖数: 9308 | 2 这些都是Borrower应该付的钱。
【在 a****e 的大作中提到】
: Try to buy a house at 250k with 200k loan.
: The loan officer said there's 3k-4k cost to pay as below:
: Deed Recording Fee Estimated $18.50
: Deed of Trust (DOT) Release Estimated $27.00
: Deed Tax Estimated $1,750.00
: Mortgage Tax Estimated $1,100.00
: Recording Fee Estimated $180.00
: Total Government Taxes and Fees $3,075.50 (sum of above)
: He said it's the same for all lenders. And it's different than prepaid
: insurance, property tax, interest.
| d******n
发帖数: 2712 | 3 那些税是因为买房而产生的，跟买东西交消费税一样，不该有lender去承担。另外，买
房很少会有no cost的提法。no cost是lender从profit里拿钱出来cover客人做贷款的
cost，买房时客人都希望拿到尽量低的rate，因为rate会不会一直走低，能走多低，没
有人敢保证，因此一般的buyer都希望在一开始拿到一个尽量低的rate。客人自己付
cost是拿到最好rate的保障。 |
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