So, what exactly is a Single-关闭建设贷款?
这种贷款用于建造新房子,同时作为两种贷款:建筑贷款和房屋建成后的抵押贷款. 这很好,因为在施工期间, 你的建造商在提交账单时就会得到支付,而你只需要支付到目前为止已经使用的资金的利息. 一旦施工完成, 贷款自动切换到你的永久融资在相同的利率.
One big advantage of using this approach is that you pay closing costs just once. 如果你分别发放建筑贷款和抵押贷款,你会有两笔交易成本. 你只需要10%的首付, if you already have equity in your lot that can be credited toward the down payment.
You will have one-on-one personal guidance throughout the process, 包括在施工过程中回答施工方/承包商的问题,以保证施工过程的顺利进行.