Five hidden costs of buying a home in the U.S.:
#1. Property tax ($1,000’s – $10,000 plus per year);
#2. Homeowner association fees ($300 – thousands per year; if the subdivision has the HOA)
#3. Home inspection fee ($100 – $1,000);
#4. Private mortgage insurance (if the down payment is less than 80%, but when the loan to value is less than 80%, the homeowner is no longer considered as a risk to the lender and then PMI is no longer required.);
#5. Lender’s fees.
Today News cont.
What are the popular mortgages available in the market? Fixed-rate mortage, adjustable-rate mortgage, federal housing administration loan, VA loan and interest-only mortgage.
Bank of America’s Countrywide ordered to pay $1.3 billion in penalties for defective mortgage loans sold to Fannie Mae and Freddie Mac.
Gold stays below $1,300 (July 31, 2014)
Visa card: 1st digit lets people recognize it is Visa credit card, 2nd-6th digit is financial institution, 7th-12nd digit or 7th-15th are account number, 13rd-16th digit is the check number.
Master card: 1st digit (5) is master card identified number; 2nd & 3rd, 2nd &4th, or 2nd & 5th is the bank; the rest digit is account number; last digit (16th) is the check digit.
American Express card: 1st & 2nd digit is AE identify (34 or 37); 3rd & 4th digit is type of card/currency used; 5th-11st digit is account number; 12nd-14th digit is card number.
More stuffs coming soon!
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