Have You Saved Enough for Closing Costs?

20170123-stm-share

There are many potential homebuyers, and even sellers, who believe that they need at least a 20% down payment in order to buy a home or move on to their next home. Time after time, we have dispelled this myth by showing that many loan programs allow you to put down as little as 3% (or 0% with a VA loan).

有許多購屋者,甚至賣家,認為他們需要至少20%的頭期款才能買房子或是搬家到他們下一個家。我們不止一次的嘗試矯正這個錯誤的觀念,許多房屋貸款計劃允許低至3%的頭期款(或0%的VA貸款)。

If you have saved up your down payment and are ready to start your home search, one other piece of the puzzle is to make sure that you have saved enough for your closing costs.

如果你已經儲存了你的頭期款,並準備開始尋找房屋,切記要確保你也已經儲存了足夠的成交開銷。

Freddie Mac defines closing costs as:
Freddie Mac解釋成交開銷為:

“Closing costs, also called settlement fees, will need to be paid when you obtain a mortgage. These are fees charged by people representing your purchase, including your lender, real estate agent, and other third parties involved in the transaction. Closing costs are typically between 2 and 5% of your purchase price.”

“成交開銷,又稱為結算費,是在你取得房屋貸款時需要支付的款項,這些是代表你方的公司收取的費用,包括你的貸款公司,房仲和交易中涉及的其他第三方。成交開銷通常為房屋價格的2%到5%之間。”

We’ve recently heard from many first-time homebuyers that they wished that someone had let them know that closing costs could be so high. If you think about it, with a low down payment program, your closing costs could equal the amount that you saved for your down payment.

我們最近常聽到許多首次購屋者表示希望有人事先讓他們知道成交開銷可能這麼高,如果使用低頭期款貸款計劃,你的成交開銷可能和你的頭期款一樣高。

Here is a list of just some of the fees/costs that may be included in your closing costs, depending on where the home you wish to purchase is located:

以下是可能包括在成交開銷中的費用列表,取決於你想要購買的房屋所在地:

  • Government recording costs
    政府記錄費
  • Appraisal fees
    房屋估價費
  • Credit report fees
    信用報告費
  • Lender origination fees
    貸款公司起付費
  • Title services (insurance, search fees)
    產權服務(保險,檢索費)
  • Tax service fees
    稅務服務費
  • Survey fees
    土地調查費
  • Attorney fees
    律師費
  • Underwriting fees
    承銷費

Is there any way to avoid paying closing costs?
有沒有辦法避免支付成交開銷?

Work with your lender and real estate agent to see if there are any ways to decrease or defer your closing costs. There are no-closing mortgages available, but they end up costing you more in the end with a higher interest rate, or by wrapping the closing costs into the total cost of the mortgage (meaning you’ll end up paying interest on your closing costs).

與你的貸款公司和房仲一起看看是否有任何方法來減少你的成交開銷,是有不需要收取成交開銷的貸款計劃,但這些計畫通常有高利率,所以最後支付的更多,或者他們根本把成交開銷加在房貸總額中(這意味著連你連成交開銷都在支付利息 )。

Home buyers can also negotiate with the seller over who pays these fees. Sometimes the seller will agree to assume the buyer’s closing fees to get the deal finalized, which is known in the industry as ‘seller’s concession.’

買家也可以與賣家談判誰支付這些費用,有時賣方會同意承擔買方成交開銷,以便完成交易,這在業界稱為“賣方的讓步”。

Bottom Line
結論

Speak with your lender and agent early and often to determine how much you’ll be responsible for at closing. Finding out you’ll need to come up with thousands of dollars right before closing is not a surprise anyone is ever looking forward to.

提早與你的貸款公司和房仲談談,確認你將在房屋成交時支付多少成交開銷,在房屋成交前忽然發現多出幾千元的開銷是沒有人喜歡的驚喜。

Advertisements

Leave a Reply

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out / Change )

Twitter picture

You are commenting using your Twitter account. Log Out / Change )

Facebook photo

You are commenting using your Facebook account. Log Out / Change )

Google+ photo

You are commenting using your Google+ account. Log Out / Change )

Connecting to %s