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不得不转 ~~~ (转载)# Joke - 肚皮舞运动
w*g
1
我的refin结束了,closing cost里:
10.01-10.21付之前的loan的interest,
10.18-10.31付新loan本月剩下的interest。
这样,我多付了4天的interest。请问,这样是合理的吗?
谢谢!
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d*9
2
- Project Manager is a person who thinks nine women can deliver a baby in
one month.
- Developer is a person who thinks it will take 18 months to deliver a baby.
- Onsite Coordinator is one who thinks a single woman can deliver nine
babies in one month.
- Client is the one who doesn't know why he wants a baby.
- Marketing Manager is a person who thinks he can deliver a baby even if no
man and woman are available.
- Resource Optimization Team thinks they don't need a man or woman; they'll
produce a child with zero resources.
- Documentation Team thinks they don't care whether the child is delivered;
they'll just document for 9 months.
- Quality Auditor is the person who is never happy with the PROCESS to
deliver a baby.
- Tester is a person who always tells his wife this is not the RIGHT baby.
- HR Manager is a person who thinks that a donkey can deliver a human baby
in 9 months.
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c*t
3
Not really, you pay what you owe
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i*a
4
- Client is the one who doesn't understand why it takes 9 months to deliver,
and why it is only baby and not a full-grown adult with a body of arnold
schwarzenegger and IQ of 160 at the time of delivery.

baby.
no
ll

【在 d******9 的大作中提到】
: - Project Manager is a person who thinks nine women can deliver a baby in
: one month.
: - Developer is a person who thinks it will take 18 months to deliver a baby.
: - Onsite Coordinator is one who thinks a single woman can deliver nine
: babies in one month.
: - Client is the one who doesn't know why he wants a baby.
: - Marketing Manager is a person who thinks he can deliver a baby even if no
: man and woman are available.
: - Resource Optimization Team thinks they don't need a man or woman; they'll
: produce a child with zero resources.

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w*g
5
就是说,我需要跟escrow交涉,要回这中间重复的部分是吗?我只是想知道业内是怎么
处理这个问题的。

【在 c*******t 的大作中提到】
: Not really, you pay what you owe
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a*n
6
银行会寄支票给你的

【在 w*****g 的大作中提到】
: 就是说,我需要跟escrow交涉,要回这中间重复的部分是吗?我只是想知道业内是怎么
: 处理这个问题的。

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y*n
7
我怎么看都是你少付了几天利息(10.18-10.21,不用付利息?)
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a*e
8
哪天close的?

【在 w*****g 的大作中提到】
: 我的refin结束了,closing cost里:
: 10.01-10.21付之前的loan的interest,
: 10.18-10.31付新loan本月剩下的interest。
: 这样,我多付了4天的interest。请问,这样是合理的吗?
: 谢谢!

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w*g
9
这个就是从escrow的statement里看到的。

【在 a*****n 的大作中提到】
: 银行会寄支票给你的
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w*g
10
对不起,写错了。改过来了,谢谢!

【在 y******n 的大作中提到】
: 我怎么看都是你少付了几天利息(10.18-10.21,不用付利息?)
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w*g
11
19号。

【在 a**e 的大作中提到】
: 哪天close的?
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a*e
12
如果19号close,20--22日是grace period,应该是24号fund。新贷款的本月利息
应该是24--31日,旧贷款的利息是1--24或25日,这个取决于是用wire还是邮寄支
票的方式支付。

【在 w*****g 的大作中提到】
: 19号。
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w*g
13
谢谢!也就是说,这样从18-21号有四天的overlap是不正常的,是吗?

【在 a**e 的大作中提到】
: 如果19号close,20--22日是grace period,应该是24号fund。新贷款的本月利息
: 应该是24--31日,旧贷款的利息是1--24或25日,这个取决于是用wire还是邮寄支
: 票的方式支付。

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f*u
14
严格来说你的loan还没有funding。 HUD上面的overlap是escrow为了保险起见而多付的
。最后多收的lender会退回来
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w*g
15
提到的日期就是escrow给我寄来的final statement,支票已经出了,就是两边都收到1
8-21日的利息。

【在 f*****u 的大作中提到】
: 严格来说你的loan还没有funding。 HUD上面的overlap是escrow为了保险起见而多付的
: 。最后多收的lender会退回来

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