关于F1贷款－一家小银行的答复# Living
b*o
1 楼
在学校作了5年的博后，两年faculty. 现在被funding 折磨的整天头大, 想转到工业界
.但找了近半年了,末一个offer. 其间有HM打过电话,但再末消息. 揪接中,不知该乍办.
.但找了近半年了,末一个offer. 其间有HM打过电话,但再末消息. 揪接中,不知该乍办.
c*7
2 楼
是本地的一家小银行。他们说－
“We would not be able to do any fixed rate loan or any loan that we would
sell because our investors will not accept an F-1 Visa.
We could look at it for an adjustable rate loan that we would not sell, if
you're interested in that product.”
请问答复中说的“an adjustable rate loan”是不是就是ARM？除了利率不固定的风险
之外，这种贷款还有什么劣势吗？
“We would not be able to do any fixed rate loan or any loan that we would
sell because our investors will not accept an F-1 Visa.
We could look at it for an adjustable rate loan that we would not sell, if
you're interested in that product.”
请问答复中说的“an adjustable rate loan”是不是就是ARM？除了利率不固定的风险
之外，这种贷款还有什么劣势吗？
sa
3 楼
major?
办.
【在 b*********o 的大作中提到】
: 在学校作了5年的博后，两年faculty. 现在被funding 折磨的整天头大, 想转到工业界
: .但找了近半年了,末一个offer. 其间有HM打过电话,但再末消息. 揪接中,不知该乍办.
办.
【在 b*********o 的大作中提到】
: 在学校作了5年的博后，两年faculty. 现在被funding 折磨的整天头大, 想转到工业界
: .但找了近半年了,末一个offer. 其间有HM打过电话,但再末消息. 揪接中,不知该乍办.
h*b
4 楼
that's right. only difference is rates will adjust (up or down) after
initial fixed period but there's various "cap" to give you some protection
in case rates spike. worst case would be 5% increase from your initial rate
. other than that, no diff
【在 c*******7 的大作中提到】
: 是本地的一家小银行。他们说－
: “We would not be able to do any fixed rate loan or any loan that we would
: sell because our investors will not accept an F-1 Visa.
: We could look at it for an adjustable rate loan that we would not sell, if
: you're interested in that product.”
: 请问答复中说的“an adjustable rate loan”是不是就是ARM？除了利率不固定的风险
: 之外，这种贷款还有什么劣势吗？
initial fixed period but there's various "cap" to give you some protection
in case rates spike. worst case would be 5% increase from your initial rate
. other than that, no diff
【在 c*******7 的大作中提到】
: 是本地的一家小银行。他们说－
: “We would not be able to do any fixed rate loan or any loan that we would
: sell because our investors will not accept an F-1 Visa.
: We could look at it for an adjustable rate loan that we would not sell, if
: you're interested in that product.”
: 请问答复中说的“an adjustable rate loan”是不是就是ARM？除了利率不固定的风险
: 之外，这种贷款还有什么劣势吗？
b*o
5 楼
生物和药物
k*2
6 楼
这个利率有可能不会具有竞争力，因为你的不是conforming loan,会被银行keep成为
porfolio loan.
【在 c*******7 的大作中提到】
: 是本地的一家小银行。他们说－
: “We would not be able to do any fixed rate loan or any loan that we would
: sell because our investors will not accept an F-1 Visa.
: We could look at it for an adjustable rate loan that we would not sell, if
: you're interested in that product.”
: 请问答复中说的“an adjustable rate loan”是不是就是ARM？除了利率不固定的风险
: 之外，这种贷款还有什么劣势吗？
porfolio loan.
【在 c*******7 的大作中提到】
: 是本地的一家小银行。他们说－
: “We would not be able to do any fixed rate loan or any loan that we would
: sell because our investors will not accept an F-1 Visa.
: We could look at it for an adjustable rate loan that we would not sell, if
: you're interested in that product.”
: 请问答复中说的“an adjustable rate loan”是不是就是ARM？除了利率不固定的风险
: 之外，这种贷款还有什么劣势吗？
sa
7 楼
try harder
【在 b*********o 的大作中提到】
: 生物和药物
【在 b*********o 的大作中提到】
: 生物和药物
c*7
8 楼
你的意思是说银行给的利率会比较高？不懂什么是conforming loan，porfolio loan。
。。。
【在 k*******2 的大作中提到】
: 这个利率有可能不会具有竞争力，因为你的不是conforming loan,会被银行keep成为
: porfolio loan.
。。。
【在 k*******2 的大作中提到】
: 这个利率有可能不会具有竞争力，因为你的不是conforming loan,会被银行keep成为
: porfolio loan.
x*i
9 楼
楼主你的专业千万别转，否则后悔莫及
现在学术界混到绿卡再说
现在学术界混到绿卡再说
b*d
10 楼
conforming loan就是银行会卖给两房,所以利率低,风险小,Portfolio loan就是银行要
拿在自己手上,利率比较高.
【在 c*******7 的大作中提到】
: 你的意思是说银行给的利率会比较高？不懂什么是conforming loan，porfolio loan。
: 。。。
拿在自己手上,利率比较高.
【在 c*******7 的大作中提到】
: 你的意思是说银行给的利率会比较高？不懂什么是conforming loan，porfolio loan。
: 。。。
f*t
11 楼
先混绿卡+1
k*2
12 楼
Conforming loan indicates that this loan conforms the guideline set by
Fannie Mae/Freddic Mac. So most likely that your loan principle will be with
this two government sponsored enterprise eventually.
Portfolio loan is most likely to be kept by lender/bank.
银行给的利率会在大部分情话下可能比较高。
【在 c*******7 的大作中提到】
: 你的意思是说银行给的利率会比较高？不懂什么是conforming loan，porfolio loan。
: 。。。
Fannie Mae/Freddic Mac. So most likely that your loan principle will be with
this two government sponsored enterprise eventually.
Portfolio loan is most likely to be kept by lender/bank.
银行给的利率会在大部分情话下可能比较高。
【在 c*******7 的大作中提到】
: 你的意思是说银行给的利率会比较高？不懂什么是conforming loan，porfolio loan。
: 。。。
z*u
13 楼
Get a good job, earn higher salary to support family, this is 硬道理.
There are many good jobs in USA industry which you can do.
I helped many Bio people found good jobs in industry. It took only three to
six months.
Click here you can read many examples:
http://dba.selfip.com/index.php/2011-12-14-05-01-27
生物博士瑞妮,简历送出一周,就拿到了世界著名大公司的offer.
很多人都成功的从学校转到了工业界.
其实转行并不难,希望这些例子能使你找工之路更容易.
来参加每周三的FREE华人找工周会吧.热心的专家们回答你的各种问题.省去你很多弯路.
There are many good jobs in USA industry which you can do.
I helped many Bio people found good jobs in industry. It took only three to
six months.
Click here you can read many examples:
http://dba.selfip.com/index.php/2011-12-14-05-01-27
生物博士瑞妮,简历送出一周,就拿到了世界著名大公司的offer.
很多人都成功的从学校转到了工业界.
其实转行并不难,希望这些例子能使你找工之路更容易.
来参加每周三的FREE华人找工周会吧.热心的专家们回答你的各种问题.省去你很多弯路.
h*e
14 楼
楼主。。你生物都混到发考题了。。比工业界找工作难多了。。
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