p*n
2 楼
情况是首付能到18%,剩下来的2%能用home equity line of credit来解决吗?
A*a
3 楼
可以选择不用首付20%,但好像要买什么Loan Insurance,有个朋友去年买房就是这样
u*q
10 楼
贷款买房子也是30年的timing issue
s*a
11 楼
401K自己借给自己一部分,或者亲戚朋友父母那借点
p*n
12 楼
在网上看了一圈,觉得piggyback loan比较合算,带3个月,然后一次性还清。
h*n
14 楼
楼主买房缺首付,可以向这个版块知名ID:snowma借点。她单单(不含在公司担任VP所
得)在mitbbs灌水,一个月就有3~5W美元的进账。
得)在mitbbs灌水,一个月就有3~5W美元的进账。
n*g
16 楼
同报名 哈哈哈
c*o
17 楼
从401K或者IRA借
e*y
19 楼
每个plan不一样,我copy了我的一段网页下来。fidelity直接网上操作借钱就可以进账
号了,等你真借钱的时候再拿出来也行,具体什么时候拿问你agent。数额是可以借一
半出来,贷款401k的利息还给你自己的账户。说了这么多,给个包子吧。
What would you like to do? Help me decide
Take a Loan
A loan allows you to borrow money from your plan and repay it over time. A
loan is not subject to taxes or penalties, though you will pay interest on
the loan amount, as well as setup and maintenance fees. If you are able to
make regular payments and repay the amount you borrow, a loan will usually
cost you less than a withdrawal.
GENERAL LOAN - PREAPPROVED
Select
Set Up and Preview Loan
Paperwork Needed Timing Costs
None
2-7 Days
4.25% Interest
May also have a quarterly maint. fee & loan set up fee
HOME LOAN - SPONSOR APPROVED
Select
Set Up and Preview Loan
Paperwork Needed Timing Costs
Requires Approval
2-7 Days
(after paperwork processed)
4.25% Interest
May also have a quarterly maint. fee & loan set up fee
【在 p****n 的大作中提到】
: 这是属于financial hardship还是early withdrawal,有penalty的吧?
: 具体怎么操作了?
号了,等你真借钱的时候再拿出来也行,具体什么时候拿问你agent。数额是可以借一
半出来,贷款401k的利息还给你自己的账户。说了这么多,给个包子吧。
What would you like to do? Help me decide
Take a Loan
A loan allows you to borrow money from your plan and repay it over time. A
loan is not subject to taxes or penalties, though you will pay interest on
the loan amount, as well as setup and maintenance fees. If you are able to
make regular payments and repay the amount you borrow, a loan will usually
cost you less than a withdrawal.
GENERAL LOAN - PREAPPROVED
Select
Set Up and Preview Loan
Paperwork Needed Timing Costs
None
2-7 Days
4.25% Interest
May also have a quarterly maint. fee & loan set up fee
HOME LOAN - SPONSOR APPROVED
Select
Set Up and Preview Loan
Paperwork Needed Timing Costs
Requires Approval
2-7 Days
(after paperwork processed)
4.25% Interest
May also have a quarterly maint. fee & loan set up fee
【在 p****n 的大作中提到】
: 这是属于financial hardship还是early withdrawal,有penalty的吧?
: 具体怎么操作了?
q*s
21 楼
去 lendingclub 借高利贷好了,如果几个月就还清的话。问朋友和非直系亲属借都有
问题。
问题。
g*e
23 楼
比方说,50万的房子,你刚好有10万,但是close需要1万,总共需要11万。也可以说你
差2%的downpay。现在呢,你要求房价办成51万,但是seller出1万帮你close。你能贷
款基本没啥变化51*0.8=40.8万,自己那11万就超过20% downpay所需的10.2万,另外
closing那1万呢正好由seller的credit填上了。最后你手上还有大概8千左右吧。
由于多贷款1万会衍生出一定费用,但是不会太多。
差2%的downpay。现在呢,你要求房价办成51万,但是seller出1万帮你close。你能贷
款基本没啥变化51*0.8=40.8万,自己那11万就超过20% downpay所需的10.2万,另外
closing那1万呢正好由seller的credit填上了。最后你手上还有大概8千左右吧。
由于多贷款1万会衍生出一定费用,但是不会太多。
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