TIL 的定義如下
TheTruth in Lending form or TIL is a required document for mortgage disclosures and is the one form I can count on being asked about.
The intent is for a consumer to be able to compare not justinterest rates but the cost of financing as well and provides you with anAPR (annual rate of financing). Because the APR includes additional costs it is always going to reflect a higher interest rate than the actual rate being quoted. Also, different lenders calculate the APR with different criteria, making the comparison between loan proposals very difficult.
My advice is to look at theGood Faith Estimate and at closing look at the HUD. All costs are broken down there and the interest rate shown should be the same as discussed.
http://qna.mortgagenewsdaily.com/questions/the-truth-in-lending-disclosure-statement
依據您所提供的資料,您全部的本金加利息是 $185549
至於您是否應該簽署這個文件,這是您自己的決定,然而如果您不簽,這個貸款就辦不了.
