Re: 抓狂了！包裹又被偷了！ (转载) - 未名空间MITBBS历史存档

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Re: 抓狂了！包裹又被偷了！ (转载)

Re: 抓狂了！包裹又被偷了！ (转载)# PhotoGear - 摄影器材

a*o2010-06-11 07:06

1 楼

insurance agent 给估了一个coverage ￥281，000，appraisal是$375000左右。但
lender说是要cover贷款，也就是$380,000.然后agent说：
however your lender only requires a certificate from us stating that the
home is insured for '100% Replacement Cost' coverage and we will provide it.
怎么回事？

p*e2010-06-11 07:06

2 楼

【以下文字转载自 ebiz 讨论区】
发信人: xingren11 (xingren11), 信区: ebiz
标题: Re: 抓狂了！包裹又被偷了！ (转载)
发信站: BBS 未名空间站 (Fri Jun 11 12:51:52 2010, 美东)
发信人: happyplanet (小游侠), 信区: Fashion
标题: Re: 抓狂了！包裹又被偷了！
发信站: BBS 未名空间站 (Thu Jun 10 14:51:52 2010, 美东)
我以前住的APT，刚搬家第一天包裹就丢了。
是在SAKS订的鞋，200多。
开始以为是FEDEX的MISS，因为APT是AUTOLOCK，
地点也是BOSTON治安很好的地区，
楼里住的不是白人就是犹太人，
经常有管理员打扫什么的。
USPS，UPS，FEDEX都是把包裹放在LOBBY。
结果2周后，另一个UPS的又丢了。1000多！
2次都是有TRACKING，我都在家。
都是显示到了之后1小时，去门口看就没有了。
因为想要的鞋子店里卖没了，就到EBAY上找，
居然找到一双，全新，我要的SIZE，
卖家以24.99起价，再

b*d2010-06-11 07:06

3 楼

100% Replacement Cost 是coverage的要求。

it.

【在 a******o 的大作中提到】

: insurance agent 给估了一个coverage ￥281，000，appraisal是$375000左右。但
: lender说是要cover贷款，也就是$380,000.然后agent说：
: however your lender only requires a certificate from us stating that the
: home is insured for '100% Replacement Cost' coverage and we will provide it.
: 怎么回事？

t*e2010-06-11 07:06

4 楼

这个贼也太笨了
同一个楼的买的也不知道对对原始地址。。。。。被抓个正着

a*o2010-06-11 07:06

5 楼

谢谢
那lender会不会要求insurance去cover $380,000？

【在 b*d 的大作中提到】

: 100% Replacement Cost 是coverage的要求。
:
: it.

r*a2010-06-11 07:06

6 楼

是啊，怎么能笨成这样？

【在 t*******e 的大作中提到】

: 这个贼也太笨了
: 同一个楼的买的也不知道对对原始地址。。。。。被抓个正着

M*I2010-06-11 07:06

7 楼

insurance should be higher than mortgage amount. otherwise, if the house is
burned down, you owe mortgage 380k and insurance company only pay you 281k,
who pay the difference?

j*o2010-06-11 07:06

8 楼

犹太人是好人？哈哈

【在 p********e 的大作中提到】

: 【以下文字转载自 ebiz 讨论区】
: 发信人: xingren11 (xingren11), 信区: ebiz
: 标题: Re: 抓狂了！包裹又被偷了！ (转载)
: 发信站: BBS 未名空间站 (Fri Jun 11 12:51:52 2010, 美东)
: 发信人: happyplanet (小游侠), 信区: Fashion
: 标题: Re: 抓狂了！包裹又被偷了！
: 发信站: BBS 未名空间站 (Thu Jun 10 14:51:52 2010, 美东)
: 我以前住的APT，刚搬家第一天包裹就丢了。
: 是在SAKS订的鞋，200多。
: 开始以为是FEDEX的MISS，因为APT是AUTOLOCK，

n*e2010-06-11 07:06

9 楼

but SFH and TH's land value is part of the whole home value. that won't go
away if the house is burned down.

is
,

【在 M********I 的大作中提到】

: insurance should be higher than mortgage amount. otherwise, if the house is
: burned down, you owe mortgage 380k and insurance company only pay you 281k,
: who pay the difference?

s*d2010-06-11 07:06

10 楼

这个小偷水平太低，寄拍的东西，难道不知是往他偷东西的主那寄？

【在 p********e 的大作中提到】

a*o2010-06-11 07:06

11 楼

I found this. It seems consistent with my insurance agent's words. But I'm
not sure if it applies to other states:
Fannie Mae Requirements
The Department received written confirmation that Fannie Mae does not
require the homeowner's insurance policy amount to be equal to the loan
amount. Fannie Mae's guidelines for determining the amount of hazard
insurance coverage are set forth in the Fannie Mae Selling and Servicing
Guides. For any first lien mortgage (excluding a reverse mortgage), required
coverage should be equal to the lesser of:
100% of the insurable value of the improvements, as established by the
property insurer; or
the unpaid principal balance of the mortgage, as long as it equals the
minimum amount (80% of the insurable value of the improvements) required to
compensate for damage or loss on a replacement costs basis. If it does not,
then the coverage that does provide the minimum required amount must be
obtained.
Therefore, according to Fannie Mae, to determine the required amount of
hazard insurance coverage for a loan delivered to Fannie Mae, Fannie Mae
approved lenders are required to "compare the insurable value of the
improvements, as established by the property insurer, to the unpaid
principal balance of the loan. If the insurable value of the improvements is
less than the unpaid principal balance, the insurable value will be the
amount of the coverage required. If the unpaid principal balance of the
mortgage is less than the insurable value of the improvements, the lender is
required to calculate 80% of the insurable value of the improvements and
compare the result to the unpaid principal balance. If the result of this
calculation is equal to or less than the unpaid principal balance, then the
unpaid principal balance will be the amount of the coverage required. If the
result of this calculation is greater than the unpaid principal balance,
the calculated figure will be the amount of coverage required."
http://www.wdfi.org/fi/mortbank/IndustryAlertHomeownersInsuranc

is
,

【在 M********I 的大作中提到】

: insurance should be higher than mortgage amount. otherwise, if the house is
: burned down, you owe mortgage 380k and insurance company only pay you 281k,
: who pay the difference?

k*t2010-06-11 07:06

12 楼

象是瞎编故事.
不单小偷水平太低,失主也低. 难道失主不应该用个在别的城市的朋友的SHIPPING
ADDRESS?

【在 s****d 的大作中提到】

: 这个小偷水平太低，寄拍的东西，难道不知是往他偷东西的主那寄？

c*a2010-06-11 07:06

13 楼

u should read the letter again. usually it should be either the loan amount
or the 100% replacement value. So 100% replacement value is fine.

required

【在 a******o 的大作中提到】

: I found this. It seems consistent with my insurance agent's words. But I'm
: not sure if it applies to other states:
: Fannie Mae Requirements
: The Department received written confirmation that Fannie Mae does not
: require the homeowner's insurance policy amount to be equal to the loan
: amount. Fannie Mae's guidelines for determining the amount of hazard
: insurance coverage are set forth in the Fannie Mae Selling and Servicing
: Guides. For any first lien mortgage (excluding a reverse mortgage), required
: coverage should be equal to the lesser of:
: 100% of the insurable value of the improvements, as established by the

t*e2010-06-11 07:06

14 楼

她还不如直接 in person deliver，多省事。。。

f*i2010-06-11 07:06

15 楼

sell the land

is
,

【在 M********I 的大作中提到】

: insurance should be higher than mortgage amount. otherwise, if the house is
: burned down, you owe mortgage 380k and insurance company only pay you 281k,
: who pay the difference?