买房中credit/concession的问题# Living
i*0
1 楼
最近在看房。有些新房子建筑商不肯降基价，只肯返点credit。问题是如果返的credit
超过closing cost， 怎么办？举例说明：
Let's say we are buying a house for $1,000,000, and seller is offering 3% as
credit or sales concession which is $30,000, the buyer agent is also giving
a 2% rebate which is $20,000. So we have about $50,000 credit/concession at
closing. The closing cost (including all fees/escrow) for this with loan
amount of $700,000 would be around $15,000, assuming we are not buying any
discount points for the rate. How would the remaining $35,000 be used?
和local的银行打听了下，貌似如果是sales concession， 可以在银行内部做internal
purchase price adjustment and recalcualte the loan。这可行吗？如果在合同上
注明拿到的是seller credit and buyer agent's commission rebate, 还能做类似的
操作吗？
多谢！
超过closing cost， 怎么办？举例说明：
Let's say we are buying a house for $1,000,000, and seller is offering 3% as
credit or sales concession which is $30,000, the buyer agent is also giving
a 2% rebate which is $20,000. So we have about $50,000 credit/concession at
closing. The closing cost (including all fees/escrow) for this with loan
amount of $700,000 would be around $15,000, assuming we are not buying any
discount points for the rate. How would the remaining $35,000 be used?
和local的银行打听了下，貌似如果是sales concession， 可以在银行内部做internal
purchase price adjustment and recalcualte the loan。这可行吗？如果在合同上
注明拿到的是seller credit and buyer agent's commission rebate, 还能做类似的
操作吗？
多谢！
