合同特写:当贷款人要求维修时
即使当事人对物业的状况感到满意, 贷款人可能希望在承诺抵押贷款之前进行维修. 在这种情况下,《 一至四户住宅合约(转售) (TAR 1601, TREC 20-14)开始发挥作用.
Just because the lender asks for repairs doesn’t mean the repairs will be made. 根据7E段, 没有其他书面协议, 任何一方均无义务支付贷款人要求的维修费用. 而不是, 如果双方不能就贷款人要求的维修达成协议, 合同将终止, 买方将被退还定金. 也, 如果贷款人要求的维修费用超过销售价格的5%, 买方可以解除合同,收回定金.
听起来可能与AS-IS条款有冲突.
Well yes it is but lenders have significant downside exposure on properties with unlimited repair potential. If the principals figure out after closing they are in over their heads they may decide to let it foreclose.
一点也不. The buyer is purchasing the home with no 保修 by the seller as to any particular conditions. Lender required repairs the lender is saying make these repairs or we will not loan yo the money.
有用的信息. 让他们继续来.
所需维修的例子将是有帮助的. 我认为没有通过检查的屋顶可能是其中之一? 还有什么?
作为贷款人, I have seen many different items that are required to be repaired in order to be able to meet the investor (Fannie, 房地美, 联邦住房管理局或VA)要求. Most of the repairs have to do with safety of the buyer and are listed in the appraisal not in the inspection. 最常见的是热水器需要从地板上抬起来. Another one common in some areas is the removal of burglar bars if they don’t have safety latches. 所有的投资者都在他们的网站上列出了这些要求.
We see rotted wood around the house and WDI issues as lender required repairs a lot
我不同意莱蒂的观点. 大多数这些修理都记录在房屋检查员的报告中. The appraiser is not a home inspector as is noted in most of their appraisals. 如果热水器在车库里房利美说的, 房地美, 联邦住房管理局, 或弗吉尼亚州, 这是可以的,因为它可以排在外面. 如果它在家里,它必须有一个锅在它下面. The home inspector should note the issues of items in the house expecially the safety items. I am concerned that RE agents don’t understand the difference in the appraisal report and the… 阅读更多»
通常需要联邦住房管理局或VA贷款, 修复的可能是任何结构性的东西,比如腐烂的壁板或装饰, 没有油漆保护涂层的裸露外部区域, 或者安全问题,比如楼梯坏了或栏杆不见了, 任何不编码的东西都是安全问题, 破碎的窗户, 管道泄漏, 等.
Termites as well as Septic issues are other examples of Lender required “repairs” I have run into in the past. With some good negotiating we are able to make these work and get to closing.
联邦住房管理局(联邦住房管理局)可能是贷款机构所需修缮资金的最大来源.
木材腐烂、油漆剥落或未油漆的外部木材. Roof and Foundation or usually big dollar but if you get an expert sign off that the roof is good or a structural engineer says foundation is performing, 然后贷方要求的维修是可管理的. 也 I have a Bonded Contractor standing by to make most lender required reports and he will be paid at closing. 并不是所有的承包商都能或愿意这样做…….这只是一个很短的名单…….好关闭…..而且可能都是双赢的
Is the One to Four Residential Contract required to be used by real estate agents, 即使一方或双方想要使用不同的合同?
现在的1-4户合同只是2021十大正规彩票app经纪人的合同吗, or are there protections built into the contract that help keep agents from getting sued?
卖方可以要求使用自己的合同. 每处理一个新的房屋销售?
请保留与主题相关的评论和/或问题.
我最近有一个, 尽管装修费用已经协商好了, the appraiser/lender required a coat of paint on a detached garage due to the potential of lead-based paint (even though the 买家 said they were likely to tear down the garage).
What happens when a buyer terminates because of lender require repairs and gives the seller no opportunity to cure? Lender says they are not party to contract and need to disclose the repairs needed. This is often done because buyer wants out to buy another house, and doesn’t want to lose EM.
如果出借人要求修理, 超过销售价格的5%, 卖方可以解除合同吗? 并将定金退还给买方?
这件事过去了吗?如果没有,什么时候开始 .
What if … prospective buyer plans to have house demolished (and not live in it) and build out NEW construction? 为什么会有潜在买家呢, 在这种情况下, 我不想花更多的钱给贷款人修理……或者任何修理?
In this case my understanding is that the buyer would be purchasing just the lot/land and would be going through a bank with an interim loan. The bank would simply appraise the lot/land and agree to loan $$$ on the property.
有用的信息.
这是很好的信息,
My name is 玛丽亚·戈麦斯 and i live in USA Florida and i am a happy woman today, I told my self that any Loan lender that could change my Life and that of my family, 我将把任何寻求贷款的人介绍给他们. If you are in need of loan and you are 100% sure to pay back the loan please contact them and please tell them that 玛丽亚·戈麦斯 referred you to them Contact Email: clienteleloanptyltd@gmail.com
玛丽亚·戈麦斯
再接再厉! 非常感谢你分享了这么棒的帖子.
Have a client who is seeking a refund of their earnest money due to lender required repairs – in this case, subsequent to the option period they discovered that several areas in the house have asbestos. 修复石棉的费用远远超过购买价的5%, 但是卖家愿意修理和修复石棉. The 买家 have sold their home and now are put in a position where they need to vacate their home within 2 weeks of close of the sale of their home and the purchase of their new… 阅读更多»