有关closing cost的问题【包子感谢】 - 未名空间MITBBS历史存档

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有关closing cost的问题【包子感谢】

有关closing cost的问题【包子感谢】# Living

g*62018-09-17 07:09

1 楼

我跟卖方基本达成了一致，刚签署了合同，里面seller contribution at closing 我
要了大几千，想问下，这个钱如果一般的closing cost用不完的话，我还可以用来做什
么？
买discount points可以吗？或者有其他的一些选择？谢谢

g*e2018-09-17 07:09

2 楼

没有用不完的，人家直接算进HUD里面了。你少出那么多钱而已。只要不是卖房方除了
给你房子还倒贴你钱。

d*j2018-09-17 07:09

3 楼

See the IPC'S items as below:
Financing concessions typically include origination fees, discount points,
commitment fees, appraisal costs, transfer taxes, stamps, attorneys’ fees,
survey charges, title insurance premiums or charges, real estate tax service
fees, and funds to subsidize a temporary or permanent interest rate buydown
(if these fees are not considered common and customary fees or costs based
on local custom, as described above). Financing concessions can also include
prepaid items, such as:
interest charges (limited to no more than 30 days of interest);
real estate taxes covering any period after the settlement date (only if the
taxes are being impounded by the servicer for future payment);
property insurance premiums (limited to no more than 14 months);
homeowners’ association (HOA) assessments covering any period after the
settlement date (limited to no more than 12 months);
initial and/or renewal mortgage insurance premiums; and escrow accruals
required for renewal of borrower-purchased mortgage insurance coverage.

g*62018-09-17 07:09

4 楼

非常感谢！！！查收包子

,
service
buydown
based
include
the

【在 d**j 的大作中提到】

: See the IPC'S items as below:
: Financing concessions typically include origination fees, discount points,
: commitment fees, appraisal costs, transfer taxes, stamps, attorneys’ fees,
: survey charges, title insurance premiums or charges, real estate tax service
: fees, and funds to subsidize a temporary or permanent interest rate buydown
: (if these fees are not considered common and customary fees or costs based
: on local custom, as described above). Financing concessions can also include
: prepaid items, such as:
: interest charges (limited to no more than 30 days of interest);
: real estate taxes covering any period after the settlement date (only if the

T*e2018-09-17 07:09

5 楼

放心，肯定用完了。closing cost（loan related cost只是其中一部分，通常是一小
部分），林林种种下来，只要不是太便宜的房子一万以下算少的。

【在 g*******6 的大作中提到】

: 我跟卖方基本达成了一致，刚签署了合同，里面seller contribution at closing 我
: 要了大几千，想问下，这个钱如果一般的closing cost用不完的话，我还可以用来做什
: 么？
: 买discount points可以吗？或者有其他的一些选择？谢谢

T*L2018-09-17 07:09

6 楼

大几千的话closing cost肯定用的完，包括impound account里面的地税，如果这些都
cover了还有多的可以买discount point，不过一般不至于

【在 g*******6 的大作中提到】

g*62018-09-17 07:09

7 楼

请教下，如果impound account不是必须的，您建议用还是不用呢？据说开始放到
impound account里面的三个月的房产税和房屋保险是作为保底的，并不会立马用到支
付房产税上？谢谢

【在 T****L 的大作中提到】

: 大几千的话closing cost肯定用的完，包括impound account里面的地税，如果这些都
: cover了还有多的可以买discount point，不过一般不至于

g*s2018-09-17 07:09

8 楼

同问！到底每月提前付地税和保险到impound account里有啥好处？

【在 g*******6 的大作中提到】

: 请教下，如果impound account不是必须的，您建议用还是不用呢？据说开始放到
: impound account里面的三个月的房产税和房屋保险是作为保底的，并不会立马用到支
: 付房产税上？谢谢

d*j2018-09-17 07:09

9 楼

All depended on the lender's policy, LTV ratio your credit as well as the
borrower's former mortgage history, including how the borrower his financial
ability to handle the tax payment in future. the lender prefers to
establish an escrow account for protecting their benefit and decreasing
their risk.
If you (the borrower) can handle your further tax payments, you can require
to waive escrow account, but you may be required to pay an extra fee at
closing.