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Home
» 波士顿造房记 (七)
波士顿造房记 (七)
2013-09-01 00:00:00
Author:
Wenny
各色信用卡和银行私人贷款组成了一支臃肿的杂色军团,我率领着这支杂牌军开始了找钱之路,话说此时我还做着上午过户下午拿房屋抵押贷款的清秋大梦。
刚巧在过户的当天就有贷款来了,可惜是我的朋友向我借钱去重新贷款的求救电话。新找的银行让她扫平第二个小贷款(second loan)。之前或者之后等房屋抵押贷款申请下来我都有招儿可想,唯独现在我自己还“钱”途未卜。她找的贷款经纪人是我朋友,锁定利率以后就把她给忘了,已经超过六十天了才把她想起来,和银行商量再推了一星期。我只好硬着头皮给兜着,谁让我介绍她们认 识呢。于是将我的“借钱”经倾囊相授,她转了一圈找了两人借了一万,又回头来找我。说实在开不了这个口,还剩下一万五,招儿是我支的,索性就找我这个“明 白人”了。
我说:“你付了两千五过户费(closing cost), 外加上这番折腾,值不值?回头利率再掉,你的过户费就白花了”
她说;“我工作稳定,房子不换,利率就它了,挺好。”
我拿出银行里没有借满的私人贷款(personal loan)给她---利率 9.25(prime rate加6.00),说“想好了,这可是高利贷,专门给你我这种穷途末路的人量身定做的”,她打着房屋抵押贷款马上就好的算盘接下。让我电汇给她,我 说:“你那三十块钱手续费还是留着请我回宾州吃饭吧,咱俩一个银行,我给你直接存进去。”
她说:“人家让你这么干?”
我说:“你见过存钱要看你证件的吗?”
于是我成功的拖人下水。这头忙着准备加建,那头不忘隔三差五给她打气:“嗨,你的loan每天要付$3.80 的interest,还要利滚利。你的房屋抵押贷款找的怎么样了?”
我在宾州作贷款经纪人的朋友传来消息说有的小credit union可以提供利率2.25 的房屋抵押贷款。我打电话到MIT的credit union,人家不对public开放,不过有亲朋好友和MIT刮边的也算。还没等我搜肠刮肚的诌一个出来,就因为刚买房子就借钱,婉拒了。另外在网上查 的一个记不起名字的credit union情况也是如此。
这时我的高利贷同盟发来Email说AIG和national wide有3.25(prime rate). AIG 因为有$750的过户费(closing cost),我定下了national wide,两星期以后close。买房子以前citizen bank 曾主动offer过,等我拿下房子后去借他们的房屋抵押贷款(3.99,太贵),告诉我一定要等搬进去以后或者弄点家具,窗帘什么的应景儿,我 没听明白就没放在心上。等过户的前一天嘱咐办手续的律师早一点来我家,说我的暖气坏了(房子被作了防冻处理)。律师二话不说就把我的loan给 cancel了,连个招呼都不打,害的我们一家四口在房里冻了一个小时。
此时贷款(mortgage)或者建房贷款就更不敢想了,那算cash out,还要水电费的账单。我的电费账单倒是有一张,上面只有$2.74,还不如不拿出来丢人。此时我才意识到大事不好,停下手里的一切活动专门借钱。
在网上Google了三天,查“prime rate minus 1”(看我这个时候还没惊慌失措),终于找到了一个local的小银行。固定利率2.25 一年,一年以后prime rate减0.5,还没有过户费,简直好得令人难以置信。 于是我全力以赴准备银行估价(appraisal)。
(本文原载于 文学城
Wenny Zhang blog
2009-09-22
)
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