tailieunhanh - Home Closing Checklist Part 2

Nếu bạn đang tài trợ việc mua, hầu hết các nhà cho vay sẽ muốn nhìn thấy bạn đi lên ít nhất là với các chi phí đóng định kỳ. | 2 Closing the Offer Copyright 2004 by The McGraw-Hill Companies Inc. Click Here for Terms of Use. This page intentionally left blank. 5 Negotiating the Closing Costs QUESTIONS TO ASK YOURSELF Can I have someone else pay my closing costs Yes you can. Anyone can pay your closing costs if someone is willing to do so. However there are certain restrictions on this practice most noticeably coming from the lender. If you re financing the purchase most lenders will want to see that you come up at least with the recurring closing costs. These are such things as interest your share of taxes and insurance. Most lenders feel that if you can t handle these expenses you may not be able to handle the financing and they could consequently refuse to fund the mortgage. Another factor is who gets the tax write-off for those closing costs that are tax deductible such as some points . If you don t pay them you re probably not entitled to get the deduction. If someone else pays them who doesn t have his or her name on the title to the property he or she may not be entitled to a write-off either. Check with your accountant. Who else would pay my closing costs The two most likely candidates are the seller and the lender. Of course there s always the exceptional situation in which a family member or close friend might be willing to give you a gift or a loan to cover the closing costs. 63 Copyright 2004 by The McGraw-Hill Companies Inc. Click Here for Terms of .