--------------- offer签了，请教关于贷款的几个问题 - 未名空间MITBBS历史存档

--------------- offer签了，请教关于贷款的几个问题# Living

o*s2013-06-30 07:06

1 楼

You are given a binary tree in which each node contains a value. Design an
algorithm
to print all paths which sum up to that value. Note that it can be any path
in the tree
- it does not have to start at the root.
这道题的答案有问题吧，没有考虑到过某个节点再回来的情况，比如
5
/
3 7
比如target=15，给出的答案找不到3，5，7这条path啊
还是我理解有问题？谢谢

y*12013-06-30 07:06

2 楼

Close date是8月3号，对贷款还是一头雾水。有些问题，请教下大家。
1 是不是不管找哪个loan agent, 利率都不会有太大差别？还是找一个稳妥可靠, 能顺
利close的比较重要？
2 找不同loan agent报价比较的时候，一开始就需要提供详细资料给他吗？比如w2，
bank statement等，还是说确定找他做的时候才提供。
3 loan agent都会给一个报价，但是利率是每天变动的。这个报价是不是就是仅供参考
？还是说loan agent必须做到他承诺的利率？
4 如果已经找好一个loan agent，提交了所有资料，开始申请。还能换loan agent了？
如果换，贷款是要重新开始，还是可以接着之前的进程继续？

s*c2013-06-30 07:06

3 楼

是把树当成一个无向联通图了，只要从一个顶点能到达另一个顶点就可以算成是一条
path，不一定是非要从跟到叶子，这道题的path就是3->5->7 或者 7->5->3

s*u2013-06-30 07:06

4 楼

可以找不同人报价。
你为啥不找给你开pre qualification 的那家呢？

★ 发自iPhone App: ChineseWeb 7.8

【在 y*********1 的大作中提到】

: Close date是8月3号，对贷款还是一头雾水。有些问题，请教下大家。
: 1 是不是不管找哪个loan agent, 利率都不会有太大差别？还是找一个稳妥可靠, 能顺
: 利close的比较重要？
: 2 找不同loan agent报价比较的时候，一开始就需要提供详细资料给他吗？比如w2，
: bank statement等，还是说确定找他做的时候才提供。
: 3 loan agent都会给一个报价，但是利率是每天变动的。这个报价是不是就是仅供参考
: ？还是说loan agent必须做到他承诺的利率？
: 4 如果已经找好一个loan agent，提交了所有资料，开始申请。还能换loan agent了？
: 如果换，贷款是要重新开始，还是可以接着之前的进程继续？

h*n2013-06-30 07:06

5 楼

题目是这个意思，但是书上给的答案不对吧。书上的答案找不到从某个节点往上，过另
一个节点再往下的路径啊

★ 发自iPhone App: ChineseWeb 8.7

【在 s******c 的大作中提到】

: 是把树当成一个无向联通图了，只要从一个顶点能到达另一个顶点就可以算成是一条
: path，不一定是非要从跟到叶子，这道题的path就是3->5->7 或者 7->5->3

r*d2013-06-30 07:06

6 楼

1. The rate can vary from 0.125-0.25 depend on your programs. Of course,
closing on time will be more important but why do you think lower rate
lender can not close smoothly? Well, if PF offer the lower rate, it will be
more strict than other lenders.
2. No need. just use the same conditions to quote the rate with all agents.
Only when you decide to work with someone, you can start to provide the
full docs.
3. Yes, your credit score will be deducted a few points every time you pull
the scores. If you are at the age of 740, try not to pull it till you
decide
to move on with agents.
4. the rate agent provided to you are based on the time she/he checked. The
rates might change a few times every day. If you get the quote on the same
day you submit the loan doc, most likely you should get the rate as quoted
unless it changed 3-4 times in a few hours. If you submit the loan doc and
don't wanna lock the rate right away but would rather waiting, nobody can
promise you that you will get same rate.
5. Yes, you can change loan agent. But, this is new purchase loan, it is
critical to close on time. If you switch to the different agent, you have
to
start the loan processing from beginning. You will loose your appraisal fee
if you already finish the appraisal.
Best luck for the smooth transactions!

【在 y*********1 的大作中提到】

: Close date是8月3号，对贷款还是一头雾水。有些问题，请教下大家。
: 1 是不是不管找哪个loan agent, 利率都不会有太大差别？还是找一个稳妥可靠, 能顺
: 利close的比较重要？
: 2 找不同loan agent报价比较的时候，一开始就需要提供详细资料给他吗？比如w2，
: bank statement等，还是说确定找他做的时候才提供。
: 3 loan agent都会给一个报价，但是利率是每天变动的。这个报价是不是就是仅供参考
: ？还是说loan agent必须做到他承诺的利率？
: 4 如果已经找好一个loan agent，提交了所有资料，开始申请。还能换loan agent了？
: 如果换，贷款是要重新开始，还是可以接着之前的进程继续？

A*i2013-06-30 07:06

7 楼

这个题leetcode有原题，不用看cc150的

r*d2013-06-30 07:06

8 楼

1. The rate can vary from 0.125-0.25 depend on your programs. Of course,
closing on time will be more important but why do you think lower rate
lender can not close smoothly? Well, if PF offer the lower rate, it will be
more strict than other lenders.
2. No need. just use the same conditions to quote the rate with all agents.
Only when you decide to work with someone, you can start to provide the
full docs.
3. Yes, your credit score will be deducted a few points every time you pull
the scores. If you are at the age of 740, try not to pull it till you
decide
to move on with agents.
4. the rate agent provided to you are based on the time she/he checked. The
rates might change a few times every day. If you get the quote on the same
day you submit the loan doc, most likely you should get the rate as quoted
unless it changed 3-4 times in a few hours. If you submit the loan doc and
don't wanna lock the rate right away but would rather waiting, nobody can
promise you that you will get same rate.
5. Yes, you can change loan agent. But, this is new purchase loan, it is
critical to close on time. If you switch to the different agent, you have
to
start the loan processing from beginning. You will loose your appraisal fee
if you already finish the appraisal.
Best luck for the smooth transactions!

【在 y*********1 的大作中提到】

: Close date是8月3号，对贷款还是一头雾水。有些问题，请教下大家。
: 1 是不是不管找哪个loan agent, 利率都不会有太大差别？还是找一个稳妥可靠, 能顺
: 利close的比较重要？
: 2 找不同loan agent报价比较的时候，一开始就需要提供详细资料给他吗？比如w2，
: bank statement等，还是说确定找他做的时候才提供。
: 3 loan agent都会给一个报价，但是利率是每天变动的。这个报价是不是就是仅供参考
: ？还是说loan agent必须做到他承诺的利率？
: 4 如果已经找好一个loan agent，提交了所有资料，开始申请。还能换loan agent了？
: 如果换，贷款是要重新开始，还是可以接着之前的进程继续？

m*a2013-06-30 07:06

9 楼

看leetcode这个题
差不多了。
https://oj.leetcode.com/problems/binary-tree-maximum-path-sum/
递归的解法比较简洁
求当前的路径left+right+root,left tree + root，right tree+root,或 root
返回到parent可能的路径是left tree + root，right tree+root,或 root

a*y2013-06-30 07:06

10 楼

leetcode的那道题求最值，利用的是dp吧，可是这个要列举所有的路径吧，否则怎么知
道和为几呢。

m*a2013-06-30 07:06

11 楼

你用vector/array不是返回所有的值了？

【在 a*****y 的大作中提到】

: leetcode的那道题求最值，利用的是dp吧，可是这个要列举所有的路径吧，否则怎么知
: 道和为几呢。

d*12013-06-30 07:06

12 楼

我建了个q群。
欢迎正在刷cc150四版五版到童鞋们加入。
群号是205077190