如何理解房屋贷款估算

申请抵押贷款三天后，您将收到一份 3 页的文件，称为 "抵押贷款估价单"。 

法律要求住宅贷款机构向您提供这份标准化文件，以便您在知情的情况下决定拟议的住房贷款是否适合您。无论是新抵押贷款还是再融资抵押贷款，您都应该收到这份文件。该文件还可帮助借款人比较贷款机构的报价、编制购房预算并为结清贷款做好准备。 

该估算被称为 "善意 "估算，这意味着数字并非最终结果。

估价包括哪些内容？

您将在估价单中找到以下信息： 

• 利率和年利率 (APR)
• 启动费
• 是否为您提供利率锁定服务
• 锁定到期时
• 结算费用明细表
• 您在过户时需要携带的金额
• 估计税额
• 估计保险费
• 摊款估计数
• 贷款条件
• 预计付款
• 贷款类型
• 贷款额
• 预付罚金
• 贷款是否包括气球付款

这些信息可以帮助您比较贷款机构，甚至可以帮助您与首选贷款机构进行谈判。 

单击此处查看贷款估算表示例.

另请参见 评估在购房中的作用

使用按揭贷款估价单

您可以通过以下方式使用您的贷款估算表：

• 评估您是否有能力承担抵押贷款。
• 在预算范围内选购房屋。
• 比较贷款人的报价。
• 与贷款人谈判。
• 为结业储蓄足够的资金。

您的贷款估算应能减少或消除在过户时出现的意外情况。 

另请参见 从申请到批准：贷款核保流程指南

如果最终数字与您的按揭贷款估算值相差很大，会发生什么情况？

在按揭贷款估价和过户披露之间，某些费用可能会发生变化，包括

• 第三方服务费
• 利率（如果您的利率尚未锁定）
• 房主保险费
• 初始代管账户存款
• 预付利息
• 登记费

有些收费不能更改：

• 评估费
• 贷款人费用
• 启动费
• 承销费
• 转让税

您有权询问贷款机构为什么利率或费用发生了变化。如果您对解释不满意，可以在过户前更换贷款机构。如果贷方进行了非法更改，您可能有权要求赔偿。 

另请参见 购房者过户费完全指南

向 Alex Doce 申请下一笔抵押贷款 

Understanding your mortgage loan disclosure is important, but you don’t have to figure it out alone. Working with a trusted advisor makes the process easier and less stressful.

在 多斯集团, Alex Doce will take the time to explain every detail of your disclosure and answer all your questions. With his guidance, you’ll not only understand your loan but also find a competitive option that fits your budget and long-term goals.

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常见问题

What to look at when comparing loan estimates?

When you compare loan estimates, pay attention to the interest rate, monthly payment, closing costs, and fees. Check if the loan has points, prepayment penalties, or adjustable rates. Look at the total cost over time, not just the monthly amount. This will help you see which loan is more affordable and easier to manage, especially if you’re buying a condo or another type of property.

How accurate is the loan estimate?

Accuracy: Lenders have to give clear and correct details on the official Loan Estimate. This means the interest rate, closing costs, and loan terms are more trustworthy than a basic quote.

What is a loan estimate?

A loan estimate is a three-page form you get from your lender after you apply for a mortgage. It shows important details like the loan amount, interest rate, monthly payments, closing costs, and other fees. You usually receive it within three business days after applying. This form makes it clear what you will pay over time, so there are no surprises later.

What is the purpose of the loan estimate?

The purpose of a loan estimate is to show you all the costs of your mortgage upfront, including taxes and insurance. It lets you compare offers, avoid hidden charges, and find a loan that fits your budget. Meeting home purchase requirements like credit score, down payment, and income proof is key to qualifying.