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หากท่านเป็นเจ้าของบ้าน ที่ดิน คอนโด หรืออสังหาริมทรัพย์อื่นๆ และต้องการให้ Chiangmai RealEstate ทำการตลาดให้ โดยท่านไม่ต้องเสียค่าใช้จ่ายหรือไม่มีข้อผูกมัดใดๆ แต่จะมีค่าใช้จ่ายเกิดขึ้นก็ต่อเมื่อเรามีลูกค้าตกลงทำสัญญาเช่า-ขายเท่านั้น เราขอรับค่าคอมมิชชั่น 1 เดือน ต่อสัญญาเช่า 1 ปี หรือ 3 % เมื่อมีการซื้อ-ขายเกิดขึ้น โดยทางเราจะเป็นผู้ดูแลลูกค้าและดำเนินการเรื่องทำสัญญาให้ทั้งหมด หากท่านสนใจฝากบ้านไว้กับเรา สอบถามรายละเอียดเพื่มเติมโทร 086-4209661 /089-4308454  หรือส่งอีเมล์รูปภาพและรายละเอียดมาที่ ChiangMaiRealEstates@yahoo.com  RealEstateInChiangMai@hotmail.com
 
If you have a properties for SALE / RENT please do not hesitate to contact us to list your property on our website.May we remind all prospective vendors and landlords that we make no charges for our services until we have successfully completed your sale or lease.For house sales we charge just 3% of the selling and price for rentals our charge is just one months rental per one year contract. Our in house lawyer can also prepare all leases and contracts of sale at competitive prices. For further information please visit our website. Phone call to 086-4209661 /089-4308454  Please email to ChiangMaiRealEstates@yahoo.com  / RealEstateInChiangMai@hotmail.com  www.google.co.th www.chiangmairealestates.com
Article
Understanding Points, Rates and Fees. (View 23815/Answer 26)

Not only do you have to understand what type of mortgage you should choose, you have to understand the costs associated with your mortgage. All of these costs will be paid upon closing your mortgage.

Purchase Points

Purchase points, also known as a "buy-down" or "discount points," are an up-front fee paid to the lender at closing to buy-down or lower your interest rate over the life of the loan. Each point is equal to one percent of your total loan amount. If you have a $100,000 loan, one point would equal $1,000. The more points you buy, the lower your interest rate, but the more money you'll need at closing.

How do you decide whether you should buy points and if so, how many? Well, the decision should be based on how long you plan on living in your home and what you can afford to pay each month toward your mortgage. If you plan on living in your home for more than five years, it's probably a good idea to purchase points. The longer you live in your home, the more you can save on interest over the life of the loan.

Interest Rate

When you get a mortgage, you are charged an interest rate.this is the rate which the lender charges you for using their money to buy a home. It determines how much your monthly payments will be. Generally speaking, the higher the interest rate, the higher your monthly payment.

Mortgage interest rates change constantly.daily, even hourly. If you speak to a lender and are quoted a specific interest rate, that's not to say you'll necessarily get that rate when you close on your loan. Not unless you formally lock-in that rate with the lender.locking in an interest rate will guarantee you get your loan with a particular interest rate. Lenders will allow you to lock in for 15, 45 or 60 days. But the longer you lock in, the more expensive it will be, since it's more of a risk to lenders.

Fees

There are always fees associated with getting a mortgage, these fees cover the cost of processing and underwriting the loan. These fees can include charges for ensuring the title to the home is free and clear; paying for a land survey; or paying for a home appraisal which gives you the estimated value of the property (lenders require an appraisal to close on your mortgage).

Deciding which mortgage to get may depend on what each lender does because different lenders may charge different amounts. Some may charge lesser closing fees to lure you in, but may charge you a higher interest rate, which means you may pay more in the long run. But everyone has different needs.you may or may not be able to afford to pay more at closing and are willing to pay more over the long term.

Before it comes time to close, do your homework, make sure there are no hidden fees, and ask your lender lots of questions so that you understand all the costs involved with your mortgage.

Answer No. 0
If you can't put down 20%, then you have to pahurcse PMI (Private Mortgage Insurance) which is expensive and adds to the monthly payment on the property. If you fail to pay, the bank will still repossess your house. The insurance company will pay the bank the difference between 20% and the amount you actually put down. If you put down 5% and default, the insurance company pays the bank the other 15% that you didn't pay. Mortgages are not easy to come by right now for anyone. The only way to know for sure what you can do is to contact a lender and see what you can pre-qualify for. They will not charge you anything for this service and can give you either a ballpark figure or tell you that you don't qualify at all at this time due to your credit score. Whether you qualify or not will not depend on the lender you use, but the terms of the loan may (interest rate, etc.)So find out if you qualify first before you spend a lot of time and effort only to be told that you do not. +1Was this answer helpful?
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Answer No. 1
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(14/03/2012 16:40:50) IP. 216.194.53.xxx
Answer No. 2
Oh yes, I have been to Chiangmai twice this year, and will be going there next month. We were lucky that the International Flower Show and La Krathong events happened simultaneously. We did visit the night market – just next to the Tapae Gate. It is unbelievable – we had to walk for nearly 3-4 kms from one end to the other. Its full of people and lots of bargains. We couldnt help indulging ourselves in getting cheap foot massages along the footpaths. Things are dearth cheap. Lots of arty farty thingies to choose from.For those who have not experience this before, it has to be a “must go” so that next time, when you talk to your mates about Chiangmai, at least, you can say, “been there and done that.” Finally, its pretty safe at the night market.Cheerskenneth coeNew Zealand http://www.yourviagraguide.com/ http://www.specialmedic.net/
Holland email
(04/04/2012 15:27:45) IP. 83.98.234.xxx
Answer No. 3
too many variables in your question to answer… for example… how many units, location, how they were built, when they were built… but creatively some apartments in the U.S. can be picked up with little to no money out of pocket if you schedule the closing the day rents are due, then use those monies for your down payment.Life experiences with roommates. http://www.insurselection.com/ http://www.getinsurdeals.com/
Thena email
(10/04/2012 13:36:33) IP. 23.20.179.xx
Answer No. 4
The mortgage ndeelr will look at their income in its entirety to determine whether they can get the loan for the second property, along with all the costs and income they have. Paying cash for the first property will be a good thing wrt this.Their taxes will be look at the rental property as a separate business for them. Therefore the IRS will look at their income from the rentals and their costs, which include mortgage interest, insurance etc.
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