昨天拿到一个mortgage

来源: cultuslake 于 2012-07-21 22:26:55 [] [博客] [旧帖] [给我悄悄话] 阅读数 : (1677 bytes)

Bought a house, price $237,500.

Mortgage by TD Bank. 25% down, 3.05% five year fixed, 25 years amortization.Monthly payment: $757.75. Plus 225/month property tax, total payment: 982.75/month.

This marks the last purchase in this resource town. The next thing I want to do is to sell the lot I have in town.Subject removal July 27; Completion August 16.

I need to make some renovation downstairs, and have talked to a handyman to have a look in advance. I hope renovation will be completed by September 15, and rented out for October 1st.

I feel very lucky to get this mortgage. It is getting harder and harder to get a mortgage.

This will also be the last purchase this year. I have been on a spending spree since the beginning of the year, with new purchase, renovation, and furnishings. I have exhausted my buying power with this one, and I need to consolidate to replenish the reserve fund in the next while.

所有跟帖： 

• 恭喜，思路清晰，成熟稳健。 -SunshineInCA- ♀ 给 SunshineInCA 发送悄悄话 (0 bytes) () 07/21/2012 postreply 22:34:14

• 多谢MM. -cultuslake- ♂ 给 cultuslake 发送悄悄话 cultuslake 的博客首页 (0 bytes) () 07/21/2012 postreply 23:05:13

• 象球场上一样，一边进攻，一边保护，取胜几率大增。 -SunshineInCA- ♀ 给 SunshineInCA 发送悄悄话 (102 bytes) () 07/21/2012 postreply 23:07:41

• 回复：象球场上一样，一边进攻，一边保护，取胜几率大增。 -cultuslake- ♂ 给 cultuslake 发送悄悄话 cultuslake 的博客首页 (63 bytes) () 07/21/2012 postreply 23:20:06

• 总量是根据什么来算的？ -SunshineInCA- ♀ 给 SunshineInCA 发送悄悄话 (47 bytes) () 07/21/2012 postreply 23:27:14

• 好像是$2M。然后就不贷了。 -cultuslake- ♂ 给 cultuslake 发送悄悄话 cultuslake 的博客首页 (136 bytes) () 07/21/2012 postreply 23:43:16

• 这个和美国的算法很接近，谢谢。 -SunshineInCA- ♀ 给 SunshineInCA 发送悄悄话 (0 bytes) () 07/22/2012 postreply 09:20:52

• TD bank 这么便宜阿，有15年的或者30年的马？ -mickey222- ♀ 给 mickey222 发送悄悄话 mickey222 的博客首页 (0 bytes) () 07/21/2012 postreply 22:35:20

• 回复：TD bank 这么便宜阿，有15年的或者30年的马？ -cultuslake- ♂ 给 cultuslake 发送悄悄话 cultuslake 的博客首页 (66 bytes) () 07/21/2012 postreply 23:07:54

• 回复：回复：TD bank 这么便宜阿，有15年的或者30年的马？ -aywl- ♀ 给 aywl 发送悄悄话 aywl 的博客首页 (71 bytes) () 07/22/2012 postreply 03:43:45

• 呵呵。胆是练出来滴。 -cultuslake- ♂ 给 cultuslake 发送悄悄话 cultuslake 的博客首页 (0 bytes) () 07/22/2012 postreply 11:37:02

• GX!gx! -小心翼翼的小地主- ♀ 给 小心翼翼的小地主 发送悄悄话 小心翼翼的小地主 的博客首页 (0 bytes) () 07/22/2012 postreply 13:44:22

• CO：GX!gx! -melody2010- ♀ 给 melody2010 发送悄悄话 melody2010 的博客首页 (0 bytes) () 07/22/2012 postreply 17:57:03

• 多谢二位MM -cultuslake- ♂ 给 cultuslake 发送悄悄话 cultuslake 的博客首页 (0 bytes) () 07/23/2012 postreply 00:07:24

• How many total number of loans do you have? -wooddiy- ♂ 给 wooddiy 发送悄悄话 wooddiy 的博客首页 (130 bytes) () 07/22/2012 postreply 14:50:52

• 贷款这个事情，真是没有规律可循，每个人都会遇到特定的情况。 -cultuslake- ♂ 给 cultuslake 发送悄悄话 cultuslake 的博客首页 (0 bytes) () 07/23/2012 postreply 00:08:51

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