[紧急] downpay不够导致无法close可以使用finance contingency退出么

不是finance contingency的一部分么？还有一个专门的appraisal contingency?

我记得是专门的Appraisal contingency。

down payment 不够也可以继续做啊 利率可能没那么好 也可能有MI 但是如果想要这房子还是能继续的

理论上不可以的。finance contingency指的是贷款没办下来可以取消合同。

退出吧。话说首付为什么要放股市？如果你需要靠股市的增长才能保证首付和家庭支出的话，我觉得你对未来风险的评估可能要重新考量

zhjdenis 发表于 2022-1-28 04:54
不是finance contingency的一部分么？还有一个专门的appraisal contingency?

The latter unfortunately. I did that before.

理论上不行。你没有waive。但是可以让agent去谈。

Lolipop 发表于 2022-1-27 14:32
退出吧。话说首付为什么要放股市？如果你需要靠股市的增长才能保证首付和家庭支出的话，我觉得你对未来风险 ...

怕买不到，所以没有换成现金，结果12月份之后trade-window关闭了，没想到股市跌得这么厉害，以为至少能持平。确实有点撑了，把股票全部砸进去了，没有留余地

Purple11777 发表于 2022-1-27 14:57
理论上不行。你没有waive。但是可以让agent去谈。

是waive了才不行吧？抢房才waive，我一个都没有waive掉

austurela 发表于 2022-1-27 14:48
The latter unfortunately. I did that before.

我查了一下，条款上有这个，不确定是不是，agent现在是拼命想阻止我退出，所以这会只能看自己了
FHA/VA/USDA - Appraisal Certificate. If this Agreement is contingent on Buyer obtaining FHA, VA, or USDA 97 financing, notwithstanding any other provisions of this Agreement, Buyer is not obligated to complete the purchase 98 of the Property unless Buyer has been given in accordance with HUD/FHA, VA, or USDA requirements a written 99 statement by FHA, VA, USDA or a Direct Endorsement lender, setting forth the appraised value of the Property 100 (excluding closing costs). Seller and Buyer shall execute a document setting forth the prior provision, or similar 101 provision, known as the FHA, VA, or USDA amendatory clause, as required by lender. Buyer shall pay the costs 102 of any appraisal. If the appraised value of the Property is less than the Purchase Price, Buyer may give the notice 103 of low appraisal in Paragraph 5.
Purpose of Appraisal. The appraised valuation is arrived at only to determine the maximum mortgage FHA, VA, 105 or USDA will insure. FHA, VA, or USDA do not warrant the value or the condition of the Property. Buyer agrees to 106 satisfy himself/herself that the price and condition of the Property are acceptable.