最后交房的时候，首付怎么付？ - 未名空间MITBBS历史存档

最后交房的时候，首付怎么付？# Living

e*i2013-08-11 07:08

1 楼

看手册上写着，
all closing fund must be in the form of a certified or cashier's check.
the exact dollar amount may not be available until a few hours before
closing.
so u should be prepared to obtain a cashier's check payable to the escrow/
title company upon very short notice.
如果用的上网上银行，如bankdirect,ing等，怎么整？
先准备一个casher's check,然后不够的部分再从local买casher's check?

c*b2013-08-11 07:08

2 楼

都转到local的checking里
不过不要着急转，跟loan officer确认之后再动

【在 e******i 的大作中提到】

: 看手册上写着，
: all closing fund must be in the form of a certified or cashier's check.
: the exact dollar amount may not be available until a few hours before
: closing.
: so u should be prepared to obtain a cashier's check payable to the escrow/
: title company upon very short notice.
: 如果用的上网上银行，如bankdirect,ing等，怎么整？
: 先准备一个casher's check,然后不够的部分再从local买casher's check?

B*t2013-08-11 07:08

3 楼

应该wire payment 也可以。不过一般都是在要签字之前没多久，title 才知道你应该
拿多少钱进去。

s*d2013-08-11 07:08

4 楼

Your lender/title/agent will tell you what to do couple of days before
closing. Often either wire or cashiers check.

看手册上写着，all closing fund must be in the form of a certified or cashier
's check.the exact ........

【在 e******i 的大作中提到】

: 看手册上写着，
: all closing fund must be in the form of a certified or cashier's check.
: the exact dollar amount may not be available until a few hours before
: closing.
: so u should be prepared to obtain a cashier's check payable to the escrow/
: title company upon very short notice.
: 如果用的上网上银行，如bankdirect,ing等，怎么整？
: 先准备一个casher's check,然后不够的部分再从local买casher's check?

m*32013-08-11 07:08

5 楼

our attorney asked for wire transfer only.

【在 e******i 的大作中提到】

: 看手册上写着，
: all closing fund must be in the form of a certified or cashier's check.
: the exact dollar amount may not be available until a few hours before
: closing.
: so u should be prepared to obtain a cashier's check payable to the escrow/
: title company upon very short notice.
: 如果用的上网上银行，如bankdirect,ing等，怎么整？
: 先准备一个casher's check,然后不够的部分再从local买casher's check?

t*r2013-08-11 07:08

6 楼

ing不能wire. 还是先转到local银行比较好。就是需要多验证一个银行账户。

【在 e******i 的大作中提到】

: 看手册上写着，
: all closing fund must be in the form of a certified or cashier's check.
: the exact dollar amount may not be available until a few hours before
: closing.
: so u should be prepared to obtain a cashier's check payable to the escrow/
: title company upon very short notice.
: 如果用的上网上银行，如bankdirect,ing等，怎么整？
: 先准备一个casher's check,然后不够的部分再从local买casher's check?

k*a2013-08-11 07:08

7 楼

先问你的网上银行能否wire到escrow/title company。如果不能wire. 要先转到local
银行等着。

b*22013-08-11 07:08

8 楼

Only your loan agent knows the best answer, dont do any trandfer until you
confirmed with you loan agent.
You can also refer to the articles in my mitbbs club:californiamortgage

【在 e******i 的大作中提到】

: 看手册上写着，
: all closing fund must be in the form of a certified or cashier's check.
: the exact dollar amount may not be available until a few hours before
: closing.
: so u should be prepared to obtain a cashier's check payable to the escrow/
: title company upon very short notice.
: 如果用的上网上银行，如bankdirect,ing等，怎么整？
: 先准备一个casher's check,然后不够的部分再从local买casher's check?

G*h2013-08-11 07:08

9 楼

loan 批准后或者申请前再动银行帐号

【在 b********2 的大作中提到】

: Only your loan agent knows the best answer, dont do any trandfer until you
: confirmed with you loan agent.
: You can also refer to the articles in my mitbbs club:californiamortgage

I*D2013-08-11 07:08

10 楼

你的loan officer能最准确的回答你的问题。
我了解到的是bankdirect, ING 都能开出cashier check, 只是需要比较长的时间
process. 这里给一个稍微麻烦一点，但适用于所有银行最最保险的做法：
如果你的网上银行账户和local checking account都已经被贷款银行批准了，那么你先
找loan officer 要一份尽可能准确的closing fee estimate, 这样你知道你到底需要
多少钱，然后从网上银行request cashier's check (it may take 3-5 days)
payable to the title company, 金额不能超过贷款银行确认过的金额。假设你提供给
贷款银行6/15 -- 7/15的月结单 with ending balance $56555，那么建议cashier'
s check 的金额不要超过这个数。不足的部分就等你拿到HUD之后再去local branch买
一张cashier check. 对于你local bank account, 同样地，支票金额不要超过贷款银
行确认过的金额。

o*p2013-08-11 07:08

11 楼

看金额和时间，一般要求电汇。

【在 e******i 的大作中提到】

: 看手册上写着，
: all closing fund must be in the form of a certified or cashier's check.
: the exact dollar amount may not be available until a few hours before
: closing.
: so u should be prepared to obtain a cashier's check payable to the escrow/
: title company upon very short notice.
: 如果用的上网上银行，如bankdirect,ing等，怎么整？
: 先准备一个casher's check,然后不够的部分再从local买casher's check?