a******o 发帖数: 7982 | 1 不是说电器, 微波炉,烤箱,冰箱没都可以,但是炉头没就麻烦,因为这个管道暴露
在外面有危险,不livable. |
|
g*****9 发帖数: 4125 | 2 What I have built is a small size complete livable unit, capable of handle
everything for 8 people (4 adult and 4 kids) under no water, no electricity,
no thing from outside for 24 month without ever openning the door.
I have never done it for 24 month straight, but I have tried with my kids by
stay in that for a whole week, just to figure out if I missed anything. And
we pratice the evacuation procedure with the kids almost once per month,
they kind of like it. I also let them have MRE (from su |
|
l*********d 发帖数: 21519 | 3
这个房子存在很多问题,请大家看看值不值得买:
首先,房主冬天不在家,忘了关水管,但是可能把暖气关了,造成水管无数处爆裂
,房子也被flooding了,1楼的主卧地毯底下都腐烂了,餐厅是木地板,看不出来,估
计也难逃,另外厨房和主卧卫生间都是瓷砖,应该不碍事吧。
当初造房子的人很有问题,房间格局很不好,房子总共4000sf,没有地下室。首先
,就只有4 bedrooms, 2 full bathroom, 2 half bathroom,1 living room, 1 dining
room, 1 kitchen, 外加俩车库,整个房子就是四方形,没愣没角,车库在1楼,没有
den, 没有office,没有bonus room, 大家可想而知,每一个都是大得无边,
livingroom还安排在2楼, 带着1 half bathroom, 其他3个房间共一个小full
bathroom.
zillow估价36万多, 现银行挂价23万,为了修补爆裂问题,墙上被敲出了很多窟
窿,银行可能会稍作修补,达到livable 的条件,才能贷到款。
我的考 |
|
J***X 发帖数: 57 | 4 怎么刷柜子的阿?
有before pic 么
我们是加了chair rail,上下刷了不同的颜色,下面livable green, 上面cream, 也是
SW的漆 |
|
l*****o 发帖数: 26631 | 5 比例不好说。
要看什么贷款了, fha的话要求比较严格,房子一定要是livable的才可以。
这个要问你的broker。
另外你的agent如果这个都不好好和你说的话还是换掉算了。 |
|
m***y 发帖数: 14763 | 6 银行一般不大愿意修,除非影响到livable了 这个还不算uninhabitable
需不需要修 怎么修 最好住上个一年四季 才能下个informed decision 当然如果
已经看见往外渍水了 就拿hydraulic cement胡弄一下
这个应该不影响你们买不买的决定 |
|
g*v 发帖数: 308 | 7 有可能,房子必须是livable的,不然银行不批贷款 |
|
s*****n 发帖数: 174 | 8 谢谢。什么样的情况算是不livable呢?对structure,crawlspace,basement,attic
,foundation什么的有什么硬性的
规定么?还是lender自己随意决定? |
|
N**s 发帖数: 1916 | 9 it is ok. the purpose of 203k is to set up some escrow to fix the house so
that it is livable and qualified for a loan. |
|
a********c 发帖数: 462 | 10 澳大利亚、加拿大前十占了七个。
http://www.dailymail.co.uk/news/article-1359139/Vancouver-voted
TOP TEN MOST LIVABLE CITIES
1. Vancouver, Canada
2. Melbourne, Australia
3. Vienna, Austria
4. Toronto, Canada
5. Calgary, Canada
6. Helsinki, Finland
7. Sydney, Australia
8. Perth, Australia
8. Adelaide, Australia
10. Auckland, New Zealand |
|
a******m 发帖数: 1468 | 11 Sounds like a joke. How can Toronto be the most livable city. It is just a
crowded big city with terrible traffic. If that is the standard, why New
York is not on the list? Why Adelaide is listed with these big cities? Just
because it has a sea nearby? |
|
h***b 发帖数: 1233 | 12 as rule of thumb, fewer population is always more livable--simple life is
another! :p |
|
h**********r 发帖数: 2284 | 13 I might be region dependent, but I heard that the condition is that not only
it has to be finished, but also the room has to have a venting system;
otherwise, it's still not counted as a livable room. |
|
b*****t 发帖数: 1276 | 14 from town's assessment, finished basement doesn't count to livable size. |
|
|
p**********r 发帖数: 3581 | 16
地下室不方便用不影响其他房间吧,按我们这里的条款,达到不livable的条件很高,
你这根本不够,最好的办法还是和房东沟通好,威胁人没用。更不要龌龊的想去用水费搞
别人,给国人抹黑。不过你确定水费是房东付吗?多数人出租SFH都是要房客自己付
utilities。 |
|
q****6 发帖数: 837 | 17 I signed. But I signed because I want to put that rebate on paper to
guarantee I'll get the rebate. Also I signed to a version that I made lots
of change to the template terms. After I signed, buyer agent said only less
than 50% of buyer acutally sign this agreement, most agents don't even know
how to open the topic with client as it will drive them away. In the new
terms i put in the contract, I clearly stated we can fire our agent if we
are not happy with the service or don't feel like it. I'm... 阅读全帖 |
|
w*******g 发帖数: 9932 | 18 of course. Evidence is the key here. You are experience unlivable and
unhealthy conditions. Collect evidence and fight the landlord in court.
Document what the
landlord had failed to do to provide a safe and livable condition. |
|
a*******n 发帖数: 2097 | 19 看了appraisal里面的测出来的livable的area比卖方list的少了160sqft,basement也
少了100多,但是appraisal的价值倒是差不多。我需要找卖家argue吗?这个银行的
appraisal的面积可信吗?我要去哪里查一下county record里面的面积?
第一次买房,希望大家帮忙看看。谢谢。 |
|
w**t 发帖数: 1890 | 20 【 以下文字转载自 Boston 讨论区 】
发信人: wuyt (WEC), 信区: Boston
标 题: 请教大家一个买房和贷款的问题
关键字: UYUD
发信站: BBS 未名空间站 (Mon Oct 3 10:36:34 2011, 美东)
最近看中了一个bank owned的房子,里面的condition是non-livable(没有stove 和
dry wall有破洞)。我是以secondary residential的名义去贷款。请问我在下offer的
时候能把装修的cost也写下去吗? 例如我offer $210,000 ($180000房子+$30,000装
修cost)。我的目的是想把装修费也借出来,不用付这么多首期。
这样做能达到4赢吗?
1.Buyer 可以首付少一点
2.Buyer and seller agents可以拿多一点commission,因为sell price高了一点
3.银行收回来这笔烂帐在账面上也好看一点
贷款一方也没有多大损失,因为我会付25%首期,而且贷$210k比assessment $260k的价
钱还是低很多。 请教大家我这... 阅读全帖 |
|
w**t 发帖数: 1890 | 21 我有一个同事有类似的情况。他是seller,他卖的房子是620k,由于buyer想建一个游
泳池在offer上写了80k的游泳池cost。最后closing时是700k,buyer借了700k,seller
实际上只收到620k。我不知道对于一个non livable condition的bank owned房子能不
能这样做。 |
|
w**t 发帖数: 1890 | 22 你后面说的我同意,我有一点不同意你前部分的说法,一般的seller和银行都是一样的
,给你做appraisal的是mortgage的银行,而不是房子的银行,现在的问题是出在non
livable condition和secondary residential,mortgage的银行不敢冒这风险借钱出来。 |
|
f*******n 发帖数: 256 | 23 银行正常贷款的房子必须是“livable condition”。
裸露的水泥地应该不是。所以会要求你铺地板/地毯.
不是liveable condition的foreclosure的房子有专门修理房子的贷款。 |
|
c***n 发帖数: 921 | 24 政府评估房子会到家里来看么?一般几年评估一次呢?如果我买了一个房子然后花钱装
修了,比如把地下室变成livable space,房产税会涨么? 那政府怎么会知道你装修了
房子呢? |
|
k*********v 发帖数: 923 | 25 I want to laugh when I see such.post. Think about this, there are a lot of
people die every day, after they died, their houses are not livable?
A example, after you died (no offense, you can not avoid sooner or later),
your house will not be sold? |
|
j******p 发帖数: 8333 | 26 normally it should be above ground livable area.
如果加上地下室应该需要说明的。 |
|
g********3 发帖数: 1281 | 27 yes, if it 通冷暖气, it is considered livable space, counted in total square
footage. Otherwise, no. I have asked my realtors. |
|
m***y 发帖数: 14763 | 28 YES,学区真的那么重要.
You can choose another town farther away from Boston. 600K can fetcher you a
more "livable" house in Lexington. |
|
s****l 发帖数: 16457 | 29 如果不是livable condition,你不用付那几天的房租。 |
|
b*******c 发帖数: 20683 | 30 你贷不到款的,没roof的房子不是livable的。 |
|
l*****o 发帖数: 26631 | 31 要进去看的
房子不livable的话(比如没有做饭的炉子)是不能贷款的, 有墙皮脱落神马的也不行 |
|
n*******9 发帖数: 3244 | 32 when the builder apply for permit, all plans and the building grade has been
submitted to the city which will draw the line for what kind of materials
will be used and city inspector will check the house from time to time. only
if everything meets the permit, will the city issue the final livable
permit. the system is very tight and nobody will cut corner. you don't need
to worry. |
|
a****t 发帖数: 1056 | 33 tax, tax, tax
Livable 3rd floor will increase about 30-50% comparing with your 2 story
house |
|
b*******c 发帖数: 20683 | 34 嗯,贷款要livable的才行。我家房子需要重新装修,但在银行看来是可以住人的,老
旧不是问题。贷不下款的房子我不好碰。 |
|
b*******c 发帖数: 20683 | 35 老房子也要completely remodel过才行,小翁没要求remodel,当livable的来看的,这
个生活质量还是差了点。
有点象买高房价区昂贵的老旧小黑屋,房子不值钱,地值钱,买下其实是看中的
location。 |
|
m***y 发帖数: 14763 | 36 livability是差了点,不过,人家大概是冲地去的,房子老了好拆。
不过,老杨这种的级别的,怎么都是historic吧,美国historic也是要求你必须维护的。 |
|
g********3 发帖数: 1281 | 37 That is not right. Still need to be tested even without basement, but the
test should be done at the lowest livable space. No need to set up the test
in unfinished basement unless you plan to finish it and live there. |
|
t**d 发帖数: 6474 | 38 我买过两个新房子,都是可以用自己选的lender。新房子在卖给你之前的贷款是
builder自己搞的,跟你有何关系?
你买的新房子,必须是livable的才允许卖给你,所以卖给你的房子一定是建起来了的
。当然你自己买地皮自己找人盖是另一回事,这个不是买新房子,是自己建新房子。
有builder指定lender的情况,但也不是强迫的,只是用他指定的lender有时会给你一
些小好处吸引你,比如no cost closing之类的。 |
|
b******h 发帖数: 2715 | 39 多谢答复。
我这个具体案例是,我已经有中介带我去看过房了,而且我基本有数这个房子要做哪些
维修才能livable。我只是不能体会owner现在的意图,存心想卖还是有枣没枣打一杆子
,一心等foreclosure。请有经验的帮我分析分析,这样我好开offer or just moveon,
不要浪费时间了。
我查了一下我在州的法律,foreclosure后owner是不会自动免除deficiency的责任的,
也就是说房子到时候拍卖将面临低价抛售,然后owner还是要负担差价的赔偿。 |
|
b******h 发帖数: 2715 | 40 这个房子如果是正常维护,可能也差不多是当前listing的价格。不过,owner这些年实
在没多的钱维护保养。现在要使这个房子livable,光修理就要砍价10%才合理(我觉得
)。拖时间,是拖到foreclosure吗?对卖家来说foreclosure了更合算吗? |
|
s******s 发帖数: 2721 | 41 As long as the township issues the CO and the appraiser finds the home
livable, the bank won't be able to find out and will grant the loan. |
|
c**********e 发帖数: 1184 | 42 *****Part 4 of 5 - 贷款人的资产(Asset)请见http://www.mitbbs.com/clubarticle_t2/CircleSquareMortgage/610977.html
银行审批房屋贷款都看借款人的哪些条件?(Part 5 of 5)
Collateral(用来做抵押的房产)
1. 房产记录(Title Report)
从房产建好,产生交易开始,就有了所谓的房产手续链(Chain of Title)。任何
在与这个房产有关的信息全部会被记录在房产记录(Title Report)上,供以后的人参
阅。被记录在Chain of Title上的文件和信息有种类繁杂且不易懂。然而,只有以下几
种最常见的项目对于贷款人(Borrower)来说比较有价值:
•地产税欠费(Tax Lien)
•建筑欠费(Mechanic's Lien)
•民事/刑事诉讼欠费(Judgment Lien)
•贷款(Deed of Trust)
•地契(Grant Deed)
这些项目都有什么共同点呢?... 阅读全帖 |
|
s******d 发帖数: 323 | 43 There are two kinds of sinkhole coverage: catastrophic and non-catastrophic
coverage.
I believe catastrophic sinkhole coverage is included in all insurances since
it's required by the law. Non-catastrophic coverage is optional.The
property will not be livable for catastrophic sinkhole. Everybody will be
forced to move out by sheirff if that happened. |
|
b*******c 发帖数: 20683 | 44 不清楚具体情况,但在美国,我怎么觉得我们房东才是弱势群体哈,lease上写点条款
也是自我保护吧。
对租客来说,好像认为不livable可以拒付房租... 不过我要是楼主,估计首先考虑搬
走了,bedbug很难搞定的,该扔的扔,该高温消毒的消毒,赶快搬到个干净地方上上策
。具体经济问题怎么和管理公司扯皮,就没经验了。希望楼主家早日搞定,给宝宝一个
bedbug free的好的生活环境。 |
|
m********s 发帖数: 55301 | 45 你们房东?
不清楚具体情况,但在美国,我怎么觉得我们房东才是弱势群体哈,lease上写点条款
也是自我保护吧。对租客来说,好像认为不livable可以拒付房租... 不过我要是楼主
,估计首先........ |
|
c****o 发帖数: 32446 | 46 走电线了吗(应该走了,否则怎么livable)。走了就应该被inspect一下,除非给你走
线的人(公司)有来生死 |
|
s*********a 发帖数: 2623 | 47 实话说啊。。。手是巧。但是做出来的东西是中国普通工匠的水平。molding,layout
都很不好。livable but not stand out at all |
|
s*********a 发帖数: 2623 | 48 实话说啊。。。手是巧。但是做出来的东西是中国普通工匠的水平。molding,layout
都很不好。livable but not stand out at all |
|
s*********a 发帖数: 2623 | 49 standard。livable。
shake luv u all |
|
w*****m 发帖数: 20421 | 50 黑寡妇chandelier,不敢,还是LIVABLE朴素点了 |
|