我这房子的closing cost是不是交多了?# Living
B*6
1 楼
总算把房子给买下来了。房子是银行的,感觉上还可以,这房子市场价位近三十万,我
出了二十五万。因为当时忙着出差,中介的信誉也很好,就全权交给了她(从签合同到
申请贷款)。当时她说如果用她的贷款的话,不会超过五千,但现在最终结果却是六千
五百多点。所以约她来看看到底什么地方被多收了,或者可以避免。
这里把这些费用列出来,希望有经验的大侠帮我把一下关,十分感谢!
103: settlement charge to borrower: 5630
107: County taxes (04.08.2011-07.01.2011): 925
total: 256500
Settlement charge 包括:
801 Origination charge $2543
802: credit for specific interest rate chosen: $ 1923
803: Adjust original charge: $620
804: Appraisal fee: 385
901: Daily interest 585
902: homeowner insurance: 852
1101 Title service: 1366
1102 settlement or closing fee: $562
1103 owner’s title insurance $644
1104 lender title insurance $389
1107 Agent's portion of total title insurance premium: 940
1108: underwriter's portion of total title insurance premium: 93
1112 Loan tie-in fee: 200
1113: signing agent fee 175
1114: Overnight delivery processing fee 20
1115 overnight delivery: 15
1117: recording servivce: 5
1201: governemnt recording charge: 87
1202: Deed/morgage: Deed 21 morgage: 66
1203 Trasfer taxes: 275$
130`: required service that you can shop for: 84
1302: Tax service fee: 165
1303 flood cert to WFFs: 19
1308: home warranty 365
1309: home inspection 275
出了二十五万。因为当时忙着出差,中介的信誉也很好,就全权交给了她(从签合同到
申请贷款)。当时她说如果用她的贷款的话,不会超过五千,但现在最终结果却是六千
五百多点。所以约她来看看到底什么地方被多收了,或者可以避免。
这里把这些费用列出来,希望有经验的大侠帮我把一下关,十分感谢!
103: settlement charge to borrower: 5630
107: County taxes (04.08.2011-07.01.2011): 925
total: 256500
Settlement charge 包括:
801 Origination charge $2543
802: credit for specific interest rate chosen: $ 1923
803: Adjust original charge: $620
804: Appraisal fee: 385
901: Daily interest 585
902: homeowner insurance: 852
1101 Title service: 1366
1102 settlement or closing fee: $562
1103 owner’s title insurance $644
1104 lender title insurance $389
1107 Agent's portion of total title insurance premium: 940
1108: underwriter's portion of total title insurance premium: 93
1112 Loan tie-in fee: 200
1113: signing agent fee 175
1114: Overnight delivery processing fee 20
1115 overnight delivery: 15
1117: recording servivce: 5
1201: governemnt recording charge: 87
1202: Deed/morgage: Deed 21 morgage: 66
1203 Trasfer taxes: 275$
130`: required service that you can shop for: 84
1302: Tax service fee: 165
1303 flood cert to WFFs: 19
1308: home warranty 365
1309: home inspection 275