r******8
发帖数: 776 | 1 今天接到 lender 计算的closing cost 预估
application fee $300
broker fee $1680
underwriting fee $575
appraisal +credit report $529
Title lender title policy $950
Title settlement agent fee $600
Taxes and government fee $1520
Prepaid homeowner insurance premium 12 months $720
homeowner insurance 3 months $180
property tax $4300
Title owner's title ins $890
这些费用 哪些是必须交的啊
原来和我说 closing cost 大概在4000刀 现在一下子 涨到1万刀了。。。
这个正常吗？ |
n****e
发帖数: 4990 | 2 property tax $4300
what is the property tax rate? 3%? |
r******8
发帖数: 776 | 3 3.3%。。。。
【在 n****e 的大作中提到】
: property tax $4300
: what is the property tax rate? 3%?
|
o*****p
发帖数: 5952 | 4 closing cost 指—次性，地税，保险不应算在里面。
至于谁付，合同里规定—清二楚。若没有说清楚，应该是agent疏失。
在南加，transfer tax and owner title insurance 应该卖家付，by default.
我们从不收申请费! |
r******8
发帖数: 776 | 5 你们什么时候 拿个纽约的执照。。。我就请你们借贷款了。。。
【在 o*****p 的大作中提到】
: closing cost 指—次性，地税，保险不应算在里面。
: 至于谁付，合同里规定—清二楚。若没有说清楚，应该是agent疏失。
: 在南加，transfer tax and owner title insurance 应该卖家付，by default.
: 我们从不收申请费!
|
r******8
发帖数: 776 | 6 你们什么时候 拿个纽约的执照。。。我就请你们借贷款了。。。
【在 o*****p 的大作中提到】
: closing cost 指—次性，地税，保险不应算在里面。
: 至于谁付，合同里规定—清二楚。若没有说清楚，应该是agent疏失。
: 在南加，transfer tax and owner title insurance 应该卖家付，by default.
: 我们从不收申请费!
|
T*******e
发帖数: 4110 | 7 Compare it with your lender GFE. Homeowner insurance, property tax, Condo
fee should not be mixed into it. Taxes and government fee looks to me too
much. The seller pays the transfer tax/stamp fee by convention at
Massachusetts so the government fee is typically a few hundreds here, which
mainly includes the deed registration, mortgage lien recording.
【在 r******8 的大作中提到】
: 今天接到 lender 计算的closing cost 预估
: application fee $300
: broker fee $1680
: underwriting fee $575
: appraisal +credit report $529
: Title lender title policy $950
: Title settlement agent fee $600
: Taxes and government fee $1520
: Prepaid homeowner insurance premium 12 months $720
: homeowner insurance 3 months $180
|
c*****4
发帖数: 900 | 8 这里面无论是找哪一家lender做，除了application fee，broker fee，underwriting
fee，appraisal和credit report fee之外的fee都是非lender的费用。关键看你拿到的
利率是多少。可以问问看lender如果这些费用都没有的话可以拿到多少利率。
【在 r******8 的大作中提到】
: 今天接到 lender 计算的closing cost 预估
: application fee $300
: broker fee $1680
: underwriting fee $575
: appraisal +credit report $529
: Title lender title policy $950
: Title settlement agent fee $600
: Taxes and government fee $1520
: Prepaid homeowner insurance premium 12 months $720
: homeowner insurance 3 months $180
|
