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s********y
发帖数: 1670 | 1 5/1
2.75% with 0.25 point LENDER CREDIT to closing costs
5/5
2.875% with 0.625 point LENDER CREDIT to closing costs
Our closing costs are low at approximately 1400. The above credit will be
used to pay for our closing costs, remaining credit if any, can be used for
3rd party’s fees as well as all the prepaids.
请帮忙理解一下
我的理解是 如果我贷款 400K 那么会有 400K × 0.25%= 1000 用于 抵消 Closing
cost？
谢谢 | k***a
发帖数: 2400 | 2 是purchase loan吗 ？ 费用除了lender的还有escrow/title的费用。
加州无费用refi利率参考：
http://sites.google.com/site/realestaterefinance/mortgage | I*********e
发帖数: 65 | 3 你理解的很对，不过可以再看看lender的fee，两种利率下是否一致，有没有extra的
origination charge，这样免得把费用加到里面再以credit还给你。
for
【在 s********y 的大作中提到】
: 5/1
: 2.75% with 0.25 point LENDER CREDIT to closing costs
: 5/5
: 2.875% with 0.625 point LENDER CREDIT to closing costs
: Our closing costs are low at approximately 1400. The above credit will be
: used to pay for our closing costs, remaining credit if any, can be used for
: 3rd party’s fees as well as all the prepaids.
: 请帮忙理解一下
: 我的理解是 如果我贷款 400K 那么会有 400K × 0.25%= 1000 用于 抵消 Closing
: cost？
| c**********e
发帖数: 1184 | 4 是的您的理解是对的，credit为400K x 0.25% = $1,000
这个$1,400的closing cost包括所有的closing cost吗？还是说只是lender的费用就有
$1,400？您可以先问问清楚，因为每个lender的费用是不一样的，所以楼主应该看看除
了lender fee以外还可以拿到多少credit去cover诸如title insurance，transfer tax
等其它的cost。
怎么样比较选哪种利率好呢？400K的贷款2.875%是拿2500的credit，每个月payment为
1659.57；2.75%是拿1000credit，每个月payment为1632.96。1659.57 - 1632.96 = 26
.61（每个月省的钱），(2500-1000) / 26.61 = 56.36个月（4.69年），也就是说低利
率的每个月payment的优势在4.69年以后才能体现出来，如果4.69年之内房子卖了或者
是refi了选低利率就亏了，因为高利率的多的credit是在close的时候就拿到了。
实时利率查询：
http://www.mitbbs.com/clubarticle1/CircleSquareMortgage/617211_
for
【在 s********y 的大作中提到】
: 5/1
: 2.75% with 0.25 point LENDER CREDIT to closing costs
: 5/5
: 2.875% with 0.625 point LENDER CREDIT to closing costs
: Our closing costs are low at approximately 1400. The above credit will be
: used to pay for our closing costs, remaining credit if any, can be used for
: 3rd party’s fees as well as all the prepaids.
: 请帮忙理解一下
: 我的理解是 如果我贷款 400K 那么会有 400K × 0.25%= 1000 用于 抵消 Closing
: cost？
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