如果您是首次购屋者，可能在知道您必须花费额外数千元在买房出支后感到头昏眼花，也对这些额外费用感到有点困惑。
了解您必须支付出的以下十项买房额外费用，可以帮助您在付钱时比较有心理准备。
1.诚意金 (Earnest money)
为了证明您是有诚意的想要购买房屋，必须支付1%至2％的总购买价为诚意金。诚意金的大小是会根据市场因素而改变，如果您所在地区的房屋买卖市场很热门，卖家可以要求比较多的诚意金，相对的如果市场冷却，卖方可能只需要非常小额的诚意金。另外各州政府也有不同的诚意金金额规定管理。
2.托管账户 (Escrow account)
托管账户基本上是一种贷款公司确保您有足够的资金来支付相关税费和贷款保险。您需要支付的金额依照地区、贷款公司、贷款类型而异，可能包括了数个月至一年的费用。托管账户通常是在订金低於20%以下所需，同时也是FHA首次购屋贷款强制必须要有的，但VA退伍军官贷款并不需要。
3.贷款手续费 (Origination)
手续费通常金额颇高，这是必须支付给贷款经纪人或是贷款公司的手续费，包括承销、始发和处理代理价钱。手续费通常只是贷款总金额的一小部分，通常为总金额的1%，请记得找贷款时还是得货比三家。
4.房屋检验费用 (Inspection)
您要确保新家没有任何损毁或是结构上的问题，例如漏水、害虫、发霉等问题，就必须支付房屋检验费。通常房屋检验费大约介於$300至$500元左右，房屋检验可侦测出结构问题，淹水可能性，和其他重大问题。害虫检验费用大约为$150左右，一般检验的重大害虫为白蚁。
5. 律师费用 (Attorney)
少数地区在房屋成交时必须有律师在场，例如乔治亚州，大部份地区则不需要。如果您的所在地需要有律师协助成交，您就得支付律师费用。
6.信用检查 (Credit check)
虽然网路上有免费的信用检查，但一般贷款公司都不会接受这种免费报告，贷款公司所需信用检查大约为30元。
7.额外保险 (Extra insurance)
如果您住在天灾较多的地区，可能需要购买额外的保险，例如洪水、地震险等等。
8.估价费用 (Appraisal)
您的贷款公司一定要在知道房产公平价值后才会愿意贷款给您，房地产估价费用大约为200至400元左右，以地区和房屋大小各有所异。
9.产权过户费用 (Title Company)
您必须支付产权过户费用给过户公司，确保房产所有权是明确无误的，通常贷款公司会推荐过户公司给您，但您也可自己找寻合作公司。
10.土地勘测费用 (Survey)
土地勘测并不是必须的，但是贷款公司可能会要求您使用专业土地侦测，来确认您的地产大小界线，价格大约100元左右。
记住：您有议价能力，货比三家，多做功课了解您的地区的平均费用，如果您对价钱不满意，可议价，也可寻找别家公司服务。
************************************************************************************************************************
10 Home-Buying Costs You Need to Know About
If you're a first-time home buyer, you might get a little queasy when the last line of your good-faith estimate comes in at several thousand dollars. And after the color returns to your face, you might also be a little more than perplexed by some of those fees.
Knowing what you're paying for-like these 10 common costs-can ease that check-writing pain.
1. Earnest money
To prove you're "earnest" in your purchase commitment, expect to plunk down 1% to 2% of the total purchase price as an earnest money deposit. This amount can change depending on market factors. If demand in your area is high, a seller could expect a larger deposit. If the market is cold, a seller could be happy with less than 1%.
Other governing factors like state limitations and rules can cap how much earnest money a seller can ask for.
2. Escrow account
An escrow account is basically a way for your mortgage company to make sure you have enough money to cover related taxes and mortgage insurance. The amount you need to pay varies by location, lender, and loan type. It could cover costs for a few months to a year.
Escrow accounts are common for loans with less than a 20% down payment and mandatory for FHA loans, but it's not required for VA loans.
3. Origination
The origination fee is a hefty one. It's the price you pay the loan officer or broker for completing the loan, and it includes underwriting, originating, and processing costs.
The origination fee is a small percentage of the total loan. A typical origination fee is about 1%, but it can vary. Use your good-faith estimate to shop around.
4. Inspection
You want to be assured your new home is structurally sound and free of surprises such as leaks or pests living in the walls. Those assurances come with a price.
Home inspection: This is critical for home buyers. A good inspector will be able to notify you of structural problems, flooding issues, and other potentially serious problems. Expect to pay $300 to $500 for a home inspection, although cost varies by location.
Radon inspection: An EPA-recommended step, this inspection will determine whether your prospective home has elevated levels of the cancer-causing agent radon. A professional radon inspection can cost several hundred dollars.
Pest inspections: Roaches are one thing. Termites are a whole different story. Expect to pay up to $150 for a termite inspection.
5. Attorney
Some states, such as Georgia, require an attorney to be present at closing. In some other areas, this is optional. If you use a lawyer, expect to cover the costs, which vary by area and lawyer.
It's typical for mortgage companies to have a lawyer on their end, although they should cover the bill.
6. Credit check
Just because you can get your credit report for free doesn't mean your lender can (and it will actually pull all three). You have to reimburse the lender, usually around $30.
7. Extra insurance
If you live in a hazard-prone area, you might need to purchase extra insurance, like for flood.
8. Appraisal
Your lender won't loan you money for a home without knowing what its fair market value is. An appraisal will cost $200 to $400, depending on location and property size.
9. Title company
You pay this to the title company to make sure the property's title is free and clear. Your lender will recommend a title company, but you can also shop around for one.
10. Survey
It's not required in all instances, but your lender may require a professional surveyor to determine exactly where your property lines are drawn. Prices vary widely, but expect to pay at least $100.
Remember: You have bargaining power. Shop around to get a feel for what rates and fees apply in your area. If you aren't sure what a lender is charging, ask for an explanation-the charge might not be set in stone. If you're unhappy with a charge, negotiate.
(Info Source: Realtor.com & wordpress.com)
来源：网路
登录 注册