c*2
2 楼
装銮佛像?
y*u
3 楼
最近上班灌的太猛
会不会被炒?
会不会被炒?
c*o
7 楼
应该涨吧,2012年不是做贷款的要为老黑老莫捐钱吗
p*y
13 楼
如果pre-approval的时候,人家给LZ 3%以下的话,现在是涨了,如果当时就是3.25%啥
的话,应该没啥问题。除非那家银行已经还是调整rate以提防未来政策改变锁造成的影
响了。特别是LZ想锁60天的利息的话。
的话,应该没啥问题。除非那家银行已经还是调整rate以提防未来政策改变锁造成的影
响了。特别是LZ想锁60天的利息的话。
k*o
18 楼
If it is just per-approval, it is just estimation (inaccurate). You could
choose any lender, not necessary the one who give you per-approval letter.
choose any lender, not necessary the one who give you per-approval letter.
k*o
22 楼
Yes, Fannie Mai will pass more fees from government. Eventually it will
translate potential high rate (in the relative term).
If you have and interesting, you could read the following.
**************************************************************
The government just extended the payroll tax waiver for another two
month so they need to raise the G-fees (Guarantee fees) over the next
2 years to support their decisions. A 10 basis point increase in
yield is equivalent to about 40 to 60 BSP in price and it varies with
different multiples for lower rate to higher rate. The higher the
rate is the higher the multiple. This increase will surely impact new
productions and will be in effect for April securities or new loan
applications in February. Even though the announcement said that it
will be in effect April securities, our investors will start worsening
their price sooner than anticipated. What this means is that instead
of waiting until February to make the change all at once, they will
start to worsen little by little week by week so that by February
their pricing will fully reflect all changes. By doing this, they
will avoid a big change in price.
There is no add-on that you will see on the rate sheets. The impact
will be applied directly on the base price which is hidden in the
pricing model. This is very similar to the “adverse market”
adjustment that the agencies came out in 2008 and it has been hidden
in the pricing model. In short, from the consumer’s perspective, they will
not see the change because the change will be incorporated in their base
price. But their loan will be worth less than 40 to 60 BSP in the secondary
market.
********************************************************************
【在 n****e 的大作中提到】
: my understanding is they add more fees
translate potential high rate (in the relative term).
If you have and interesting, you could read the following.
**************************************************************
The government just extended the payroll tax waiver for another two
month so they need to raise the G-fees (Guarantee fees) over the next
2 years to support their decisions. A 10 basis point increase in
yield is equivalent to about 40 to 60 BSP in price and it varies with
different multiples for lower rate to higher rate. The higher the
rate is the higher the multiple. This increase will surely impact new
productions and will be in effect for April securities or new loan
applications in February. Even though the announcement said that it
will be in effect April securities, our investors will start worsening
their price sooner than anticipated. What this means is that instead
of waiting until February to make the change all at once, they will
start to worsen little by little week by week so that by February
their pricing will fully reflect all changes. By doing this, they
will avoid a big change in price.
There is no add-on that you will see on the rate sheets. The impact
will be applied directly on the base price which is hidden in the
pricing model. This is very similar to the “adverse market”
adjustment that the agencies came out in 2008 and it has been hidden
in the pricing model. In short, from the consumer’s perspective, they will
not see the change because the change will be incorporated in their base
price. But their loan will be worth less than 40 to 60 BSP in the secondary
market.
********************************************************************
【在 n****e 的大作中提到】
: my understanding is they add more fees
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