| 词条 | Origination fee |
| 释义 |
An origination fee is a payment associated with the establishment of an account with a bank, broker or other company providing services handling the processing associated with taking out a loan.[1] [2] An origination fee is typically a set amount for any account. However, an origination fee usually varies from 3.0% to 10.0% of a given loan amount, depending on whether the loan was originated in the prime or the subprime market. For example, an origination fee of 3% on a $200,000 loan is $6,000.[2] Discount points are used to buy down the interest rates, temporarily or permanently. Origination fees and discount points are both items listed under lender-charges on the HUD-1 Settlement Statement. Regulation Z was enacted to protect buyers from abusive lending practicing with regards to origination fees and origination fees for mortgages can not be deducted.[3]Notes1. ^{{cite web|title=Origination Fee|url=http://www.investopedia.com/terms/o/origination-fee.asp|publisher=investopedia|accessdate=21 May 2013}} {{Econ-stub}}2. ^1 {{cite web|title=loan origination fee|url=http://www.investorwords.com/7384/loan_origination_fee.html|publisher=investorwords|accessdate=21 May 2013}} 3. ^{{cite web|title=Loan Origination Fees: What They Are And How You Can Save|url=http://www.personaldebtrelief.net/loan-origination-fees/|publisher=personaldebtrelief|accessdate=1 January 2014}} 1 : Banking |
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