終於有時間鬆一口氣，呢幾日都好忙好忙，好彩亞媽係屋企幫手，如果吾係都吾知點算。 上次提到有樣長篇野分享，如果有睇開我個blog既朋友，都知我本來打算同老公家人一齊買樓，但之後佢地又好nasty地話買吾成。 事件實在太峰迴路轉，有一晚佢亞媽又話我地之前睇既屋減價，叫我地再一齊買，其實個陣真係比佢地玩C，成日五時花六時變，我同老公真係好難相就度佢地。 所以有個晚上老公就打比佢媽同佢講吾買，我聽吾到成個既內容，但就知佢亞媽係度喊哂咁，又講番以前既陳年事，唉，搞到我老公個晚都好吾開心，好似覺得佢做錯事，令佢媽難過。 見到咁，我都好心痛，唉，唯有我去做清道夫，幫佢收拾殘局。 我發覺次次有咩事，我都要幫佢執手尾，唉，我成日都話，如果我吾係身邊會點算呢？ 佢無左我可能生存吾到。anyway, 其實吾想妥協，不過作為老婆既我，如果老公係想同佢地一齊住，我無得講，我最重要係樣樣野都分開，我吾想以後有D咩事都嗌交。
好啦，之後再去睇多次樓，其實大致上都無問題，星期日既晚上就大家坐低傾清楚。 大部份既野都OK，不過佢細佬做野實在太快，有好多事都無搞清楚就話做。好似由佢聯絡個seller agent, 跟住再做埋inspection, 再想簽contract, 前後吾駛兩星期，我自己就覺得好Q快，買屋仲快過我買件衫。 不過星期日晚上講左樣野我覺得有無搞錯。 因為之前打算買第二間既時候，佢就吹我老公叫佢整個pre-approved letter, 證明佢有足夠既收入去銀行借錢。 佢細佬係銀行做，好容易就可以整呢封信，但點知星期日講mortgage既問題，佢先話原來佢之前整個封信，佢識個個人，所以可以整好，叫佢寫幾多都得tim, 不過佢又話自己吾可以係銀行度借錢，因為本身有間屋供緊，銀行吾會借比佢，要出去出面個D mortgage broker度借，超，我即係咪話咁之前個封信即係無意思，真係好無聊。 係呀，如果佢借吾到錢，等於買吾到樓啦！真係多謝佢呀！ 佢平時做野係點我吾知，我只係知佢做人同做野都好心急，無諗到前因後果，一支箭咁衝，真係好難適應呀！唉，搞mortgageD野都搞到一頭煙，老公仲話我吾幫佢，我真係想知，我點樣吾幫？？？ 我朋友係銀行做mortgage,我都成日問佢野，煩到佢，而佢又今日去攞新車，叫我去queens幫佢揸番第二架車返屋企，真係....我之前已經講過我吾想，但佢話搵吾到人，唉，我條命真係苦呀！ 次次都要我幫佢做野。 好似之前有次去聽concert, 兩個都成晚無訓，其實我都好累，但佢C都要我幫手揸，我好記得呀！！！！！！個日無咩事真係thank god, 因為我好少揸車，而且係咁既狀態，唉，我老公對我真好呀！！！！！！！！！
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咁都得？買樓咁大件事，無CHECK清楚借唔借到就話買？咁似DONDON哥哥一家。最後點呀？買唔買到？
ReplyDelete我都好唔鐘意揸車，揸親長途我就咋瞓，到咗目的地先扮醒。
[版主回覆04/18/2012 03:46:16]同你既情況都好相似，都係老公個D兄弟煩，不過我係吾會借錢比佢地，你都吾好咁恩慈啦。 而家仲問緊mortgage個D野，我地個邊就一定無問題，係佢地啫，無咁大個頭就唔好戴咁大頂帽，唉，真係幾百樣野要take care, 煩C人啦！
吓....咁都得, 做任何事唔諗清楚就做左先, 隨時會撞板架！！ 如果連合約都簽埋，但銀行唔借錢，分分鐘燬約要賠錢就真係唔抵啦！！
ReplyDelete[版主回覆04/19/2012 03:45:39]哈哈，係，退休可能輪到仔女供
[海棠回覆04/19/2012 03:39:34]30年
[版主回覆04/19/2012 00:55:21]未簽，一簽就30年架啦，好驚！
唉 咁都有既 仲話係响銀行做添
ReplyDelete好多嘢真係要搞清楚 唔係第日有排煩呀
[版主回覆04/19/2012 00:54:39]係啦，比佢吹脹....真係O咀架！
一定要搞清楚，我吾想比人賣豬仔。
When there are too many decision makers, it's always going to have problems!!
ReplyDelete[版主回覆04/19/2012 00:50:00]yes, always...so now it drives me nuts!
there is no big deal for the mortgage, you can try a small bank with lower interest offer to you, cause most of the bank take your mortgage first and then they all sell it to Fanny Mae or xxx this is the government own company they dominate all the mortgage from most of the bank, so your bank just earn commission from f. Mae everytime you pay your installment so no matter which bank you deal with it's the same. you can try Hang Tung Bank in flushing, brooklyn or china town.
ReplyDeletethey can be talk with go rate to you. of course you need to have your credit check first and they can issue to you the preapproval mortgage letter so that you can give to your lawyer to deal with the seller.
go luck to you.
[版主回覆04/19/2012 22:12:09]thanks for the info. It's really helpful.
Mrs. Wu:
ReplyDelete-不如咁啦！你哋兩公婆咩都自己啦！再唔好話一齊買樓，就算第時真係買咗樓，咩都分開，都係會有問題會煩到的. 無任何牽連係最好.
-其實，外國地域大，一駕車就要一定時間，原本駕車係享受，都變辛苦事.
[版主回覆04/20/2012 01:28:17]都可以，不過就煩D。 唉，我希望快D搞掂，一係就搞吾掂個貸款，到時就財散人安樂...哈哈！
[Vicky回覆04/20/2012 01:23:37]Mrs. Wu
-其實你哋有自己屋企，你奶奶就唔會幫你湊BB咩？你哋可以臨返工前帶BB去奶奶度，放工就去奶奶度接BB走.
[版主回覆04/20/2012 01:16:17]係我同老公衰心軟， 咁都接受佢地既條件，不過唯一好處係有人幫我湊BB，我就可以無咁擔心。開車真係吾係一件樂事，不過感恩我上次揸事安全回家
This has been forever... I hope u can figure it out soon.
ReplyDelete[版主回覆04/21/2012 07:08:01]life is so stressed sometimes....i hope i am not affecting my little princess.
我都是想....妳一家自己買樓好過同他們夾......!!
ReplyDelete[版主回覆04/23/2012 23:22:40]我清楚明白，不過有D野真係柳暗花明又一村，希望明天會更好，哈哈