[请求] 关于房贷罚款的问题

[xujie]

贷款买房刚满一年，5年的fixed rate mortgage。如果现在打算搬去US,要中止mortgage.有谁知道要交多少 penalty for the mortgage.

 

[xujie]

I would like to have some information prior to bank. It is strange that there is no such item in my mortgage agreement.

 

[楚风]

1, The remaining four years of interest that you are supposed to pay to the lender, and

2, discharge fee (usually $250).

 

[xujie]

That is a quite big money.

 

[楚风]

Yes, but usually you have the option to transfer the remaining mortgage to the buyer if your insterest is very low and if the buyer does not have a better rate offer.

 

[topone]

about 3 months interest...

 

[挺傻]

五年的MORTGAGE，一年的时候要中断，银行可以收取的罚金一般会有两种计算方式。一种叫做INTEREST DIFFERENTIAL。一种就是简单的三个月的利息。这两个哪个多会收取哪个的。如果已经过了三年，那么就会只收取三个月的罚金。
因为今年的利息按照常理来说比去年高了，因此很有可能是收取你三个月的罚金。
关于罚金的计算方法应该在你的CREDIT AGREEMENT里面的。你可以找一下。
当然还要加上DISCHARGE FEE，那个是标准的，应该写在你的合同里面的。

如果买你房子的人要是接你的MORTGAGE，银行可能会免去你的罚金。

 

[xujie]

谢谢各位的信息。很有帮助。
还是没能在协议中找到罚款条款，这应该是很重要的呀。