(Update)seller给 $10,000 credit, 但银行扣$2,000 - 未名空间MITBBS历史存档

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(Update)seller给 $10,000 credit, 但银行扣$2,000

(Update)seller给 $10,000 credit, 但银行扣$2,000# Living

g*92012-07-13 07:07

1 楼

从builder 里买新房子， seller 说给1万，如果用他们 preferred bank (Wells
Fargo)
昨天银行的人锁了利率，有 $2,000 rebate. 然后说 seller $8,000 +　银行$2,000 =
$10,000
这太扯了！
第一次买房，做贷款，请问是这样的吗？　银行贷款不是另算的吗？
由于LD 信用分低，利率很高。（在北加州）
有没有可能让银行降低利率，不要银行的 rebate. 只要seller 给的1万。
谢谢！

b*d2012-07-13 07:07

2 楼

Lender的credit和builder的credit肯定是分开算的.

=

【在 g******9 的大作中提到】

: 从builder 里买新房子， seller 说给1万，如果用他们 preferred bank (Wells
: Fargo)
: 昨天银行的人锁了利率，有 $2,000 rebate. 然后说 seller $8,000 +　银行$2,000 =
: $10,000
: 这太扯了！
: 第一次买房，做贷款，请问是这样的吗？　银行贷款不是另算的吗？
: 由于LD 信用分低，利率很高。（在北加州）
: 有没有可能让银行降低利率，不要银行的 rebate. 只要seller 给的1万。
: 谢谢！

r*d2012-07-13 07:07

3 楼

Usually seller's credit is seperated with loan credits. You should get both.
However, for purchase from builder, they have their designated lenders work
with them with some special deals, so they might imply that total credit $
10K are from seller and lender.
You can argue with seller for the credit "only" from seller, but I think the
chance is very slim. Also, for closing cost, if the rebate is more than
closing cost, you would not be able to get the money back. You either use it
or loose it.