p**5 发帖数: 2544 | 1 是不是我先申请,ING给我GFE,如果我不接受的话,不会被charge这个钱?
我从拿到GFE有多长时间决定接受还是不接受他们的offer?多谢了。
You're on your way to becoming an Orange Home Loan Customer. To continue
your application, we need to collect your credit card information. Here's
why:
* If you’re approved for this Orange Home Loan, we want to make sure
your intention is to move forward by accepting our offer.
* Once you accept our offer, we’ll start processing your loan, so we
just want to avoid spending money if you’re not serious.
* If your application is cancelled, declined or withdrawn due to
inactivity after you’ve accepted, we’ll charge your card $350 to cover
loan processing costs we’ve incurred on your behalf.
Remember, you'll only be charged $350 if your application is cancelled,
declined or withdrawn after you've accepted our offer. | m********c 发帖数: 13337 | 2 问题是ING的GFE也不是准确的,和真实过户时的数字差距不小。
【在 p**5 的大作中提到】 : 是不是我先申请,ING给我GFE,如果我不接受的话,不会被charge这个钱? : 我从拿到GFE有多长时间决定接受还是不接受他们的offer?多谢了。 : You're on your way to becoming an Orange Home Loan Customer. To continue : your application, we need to collect your credit card information. Here's : why: : * If you’re approved for this Orange Home Loan, we want to make sure : your intention is to move forward by accepting our offer. : * Once you accept our offer, we’ll start processing your loan, so we : just want to avoid spending money if you’re not serious. : * If your application is cancelled, declined or withdrawn due to
| p**5 发帖数: 2544 | 3 别的lender的GFE也和真实过户时的数字有差距吗?有差距是很常见的事吗?
那比较GFE还有什么用呢?
【在 m********c 的大作中提到】 : 问题是ING的GFE也不是准确的,和真实过户时的数字差距不小。
| m********c 发帖数: 13337 | 4 过户公司的收费贷款银行是不知道的,所以只能是估计,或者叫瞎算。
政府该收的税费是一定的,任何银行估的都应该一样,即便估价不一样,你也不会少缴
或多交。
过户时预缴的保险、地税、应付的利息都是你自己的,数也是死的。
银行处理你贷款的费用是有差别的,从500刀刀几千都可能的。
【在 p**5 的大作中提到】 : 别的lender的GFE也和真实过户时的数字有差距吗?有差距是很常见的事吗? : 那比较GFE还有什么用呢?
| k******o 发帖数: 3328 | 5 GFE (Good Faith Estimate) just estimate, 一般只多估。具体 item 请看link
http://en.wikipedia.org/wiki/Good_faith_estimate
我一般建议我的client不必看GFE,No Point No Fee Refinancing 都会在closing
statement一目了然呀。
【在 p**5 的大作中提到】 : 别的lender的GFE也和真实过户时的数字有差距吗?有差距是很常见的事吗? : 那比较GFE还有什么用呢?
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