請教：到底是誰付了重新貸款的房子估價費？

no closing fee refinance.

貸款經紀告知，我要先墊付房子估價費。我認為，同意墊付，但在成交時，應該開張支票來退回我這個費用，而不是credit到closing fee之中。 否則，就是我付的這個費，而不是lender. 我的邏輯錯了嗎？以下是經紀人的答複

You are paying $450 now for the appraisal fee, which means at closing there are only $5211.24 closing costs left ($5661.24 - $450), but the credit you got will still be $5737.50, which means you will receive an extra $524.26 credit at closing, which should be enough to cover the appraisal fee you pay upfront.

既然lender給我credit, 為什麽不同意給我支票呢？既然是 no closing fee, 我付出的錢，為什麽不能退回給我，而是credit 到closing fee 之中呢？請大家給老朽解開這道數學題吧。先謝了。

 

所有跟帖： 

• 如果銀行貸款最後沒通過，你就得自己付估價的錢。 -SunshineInCA- ♀ (0 bytes) () 07/31/2012 postreply 19:33:25

• 我的疑問是，通過了後，為什麽我付的錢，不能退回給我。 -little-landlord- ♂ (0 bytes) () 07/31/2012 postreply 19:54:21

• 回複：請教：到底是誰付了重新貸款的房子估價費？ -CaLoanAgent- ♂ (263 bytes) () 07/31/2012 postreply 19:34:15

• 也就是說，不是真正的no closing fee, 因為我付出的錢不能退回來。 -little-landlord- ♂ (76 bytes) () 07/31/2012 postreply 19:52:01

• 從算術上來看，我也很糊塗。 -little-landlord- ♂ (466 bytes) () 07/31/2012 postreply 20:14:40

• the lender's credit offsets your other ocst, like interest and t -littlerabbit- ♀ (272 bytes) () 07/31/2012 postreply 22:00:58

• it is okay if it will be credited to pay tax or interest. -little-landlord- ♂ (113 bytes) () 07/31/2012 postreply 22:40:02

• your agent confused you. ：） -美西遊子- ♀ (160 bytes) () 08/01/2012 postreply 13:41:43

• thanks. very clear answer. -little-landlord- ♂ (0 bytes) () 08/01/2012 postreply 14:50:32

• get rid of appraisal, which cost homeowner a lot but no benefit -just_soso- ♂ (397 bytes) () 08/01/2012 postreply 07:28:28

• 回複：get rid of appraisal, which cost homeowner a lot but no benef -kktt7809- ♂ (52 bytes) () 08/01/2012 postreply 08:02:56

• exactly! -美西遊子- ♀ (0 bytes) () 08/01/2012 postreply 09:00:26

• 別琢麽了，一句話，你沒有吃虧，你就是轉不過彎來 -萬楓- ♂ (0 bytes) () 08/01/2012 postreply 10:47:37

• 經紀有責任解釋清楚。 -美西遊子- ♀ (0 bytes) () 08/01/2012 postreply 13:46:21

• 他一直沒告訴我這錢credit去了哪裏？老朽慚愧，笨啊！ -little-landlord- ♂ (0 bytes) () 08/01/2012 postreply 14:56:49

• 還沒搞清？那麽把HUD1找出來，我來幫你捋一捋 -萬楓- ♂ (18882 bytes) () 08/01/2012 postreply 16:57:34

• 願天下所有貸款經紀都能像萬大俠如此苦口婆心地敬業 :-D -美西遊子- ♀ (0 bytes) () 08/01/2012 postreply 17:01:36

• 俺要是做貸款經紀，可能就沒有這個耐心了，今天剛好有點閑 -萬楓- ♂ (0 bytes) () 08/01/2012 postreply 17:09:12

• 俺沒猜錯的話 -美西遊子- ♀ (59 bytes) () 08/01/2012 postreply 17:45:08

• 回複：俺沒猜錯的話 -萬楓- ♂ (51 bytes) () 08/02/2012 postreply 09:22:27

• 美西的解釋多麽簡單明了！ 不是俺太笨，隻能說我的這個經紀人水平欠佳。 -little-landlord- ♂ (0 bytes) () 08/01/2012 postreply 20:39:45

• 謝謝費心指點。 -little-landlord- ♂ (221 bytes) () 08/01/2012 postreply 20:36:18

• 切！連HUD-1還沒看著，就—— -萬楓- ♂ (0 bytes) () 08/02/2012 postreply 09:35:06

• 我記得每次都有收到退回的估價費。 -mspyifei- ♀ (0 bytes) () 08/01/2012 postreply 18:06:32