房子贷款的一点心得

来源: tianyazi 于 2012-05-04 16:04:02 [] [博客] [旧帖] [给我悄悄话] 阅读数 : (888 bytes)
本帖于 2012-05-04 16:16:55 时间, 由普通用户 jy101 编辑


二周前签了一个买房合同，6月办手续。今天有空打了几个电话， 了解一些贷款的
事情。

There are big difference about the closing costs. The main difference is
lender fee and interest rate. The big banks charge more lender fee with a
higher interest rate. The cheapest lenders are from the internet.

I search: bankrate.com and yahoo-finance for fixed 15 year loan. The interest
rates vary from 2.875 to 3.25%. The lender fees vary from paying $1,995
to -$1,600.

 For example, I could get a rate of 2.875% without paying lender fee, or get  a
rate of  3% with a bonus of $1600.  Majority of banks charge 3% rate, but
you have to pay $500-2000 lender fees.

My suggestion is: search online first, then to call at least 3 lenders to
get a better rate.

Good luck!

所有跟帖： 

• Thanks for sharing. -qiaoshe- ♀ 给 qiaoshe 发送悄悄话 qiaoshe 的博客首页 (0 bytes) () 05/04/2012 postreply 16:08:33

• 问个问题，second home 可以按自住屋贷款， 那third home and more home 是否也可以按自住屋贷款 -trimtip- ♂ 给 trimtip 发送悄悄话 (123 bytes) () 05/04/2012 postreply 16:34:06

• I do not knw if you can lie. The rate is slight higher for renta -Tianyazi- ♂ 给 Tianyazi 发送悄悄话 Tianyazi 的博客首页 (0 bytes) () 05/04/2012 postreply 16:40:55

• lie? 50 mils 以上可以买second home 如果工作需要, 可美国工作是到处跑的，到一个地方就可以买房子自住 -trimtip- ♂ 给 trimtip 发送悄悄话 (153 bytes) () 05/04/2012 postreply 16:48:14

• no one cares the house you have bought. If move, you can buys as -Tianyazi- ♂ 给 Tianyazi 发送悄悄话 Tianyazi 的博客首页 (0 bytes) () 05/04/2012 postreply 16:55:22

• 银行不管但是irs管，呵呵。 -美蓝海- ♀ 给 美蓝海 发送悄悄话 美蓝海 的博客首页 (0 bytes) () 05/04/2012 postreply 19:24:03

• thanks for sharing. -hc29- ♀ 给 hc29 发送悄悄话 (0 bytes) () 05/04/2012 postreply 19:32:42

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