买房中credit/concession的问题# Living
i*0
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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!