E*****w
发帖数: 1822 | 1 看了个房子，发现先前屋主在后面加建了个房子和卫生间，没有申请PERMIT的。穷人区
，可能没人管
我就是担心房子买下来了，到时候CITY来检查会怎么处理？
拆了事小，会不会再罚我钱啊？ |
k******o
发帖数: 3328 | 2 Most city will not check your house unless there is some justifiable reason.
Without permit, your additonal bedroom and bathroom will not officially get
recorded.
【在 E*****w 的大作中提到】
: 看了个房子，发现先前屋主在后面加建了个房子和卫生间，没有申请PERMIT的。穷人区
: ，可能没人管
: 我就是担心房子买下来了，到时候CITY来检查会怎么处理？
: 拆了事小，会不会再罚我钱啊？
|
f*****b
发帖数: 1649 | 3 没把握就别买这家了
【在 E*****w 的大作中提到】
: 看了个房子，发现先前屋主在后面加建了个房子和卫生间，没有申请PERMIT的。穷人区
: ，可能没人管
: 我就是担心房子买下来了，到时候CITY来检查会怎么处理？
: 拆了事小，会不会再罚我钱啊？
|
b********4
发帖数: 442 | 4 这样的房子贷款会有些困难, 有的lender不贷款给加建的房子 |
c*******e
发帖数: 776 | 5 麻烦在于你去估价时要是被查到,你的估价书会告知银行,银行不会跟你背黑锅,还不如
先问city要补permit多少钱先 |
j***k
发帖数: 2719 | 6 you would not be able to buy the house if the extension has no certificate
of completion from the county, unless you pay the house with 100% cash. The
bank would not give you mortgage.
in most cases, the seller would have to take care of this before putting the
house on the market. he may have to hire a "COC Expeditor" to speed up the
process. But even with an expeditor, the process may still take months...
is the seller selling the house on his own? An expereinced realtor would
never take on a house like this. It would be meaningless to put the house on
the market and cannot sell it..
【在 E*****w 的大作中提到】
: 看了个房子，发现先前屋主在后面加建了个房子和卫生间，没有申请PERMIT的。穷人区
: ，可能没人管
: 我就是担心房子买下来了，到时候CITY来检查会怎么处理？
: 拆了事小，会不会再罚我钱啊？
|
E*****w
发帖数: 1822 | 7 谢谢，是个SHORT SELL的房子，放哪里3,4个月了，从20万掉到16万现在
The
the
the
on
【在 j***k 的大作中提到】
: you would not be able to buy the house if the extension has no certificate
: of completion from the county, unless you pay the house with 100% cash. The
: bank would not give you mortgage.
: in most cases, the seller would have to take care of this before putting the
: house on the market. he may have to hire a "COC Expeditor" to speed up the
: process. But even with an expeditor, the process may still take months...
: is the seller selling the house on his own? An expereinced realtor would
: never take on a house like this. It would be meaningless to put the house on
: the market and cannot sell it..
|
N**s
发帖数: 1916 | 8 银行没有功夫帮city/county干活,他们只管批不批贷款.这种房子我见多了,没事儿.
【在 c*******e 的大作中提到】
: 麻烦在于你去估价时要是被查到,你的估价书会告知银行,银行不会跟你背黑锅,还不如
: 先问city要补permit多少钱先
|
t**l
发帖数: 577 | 9 同意一下，满世界没permit的，贷款才不管这些呢，银行和appraiser从来就没问
题。跟你代理确认一下不就完了
好多房子公然就在listing里面写 unpermitted ...
唯一的问题就是如果以后和邻居闹翻了，邻居可以去City complain外面加盖的房子，
City可能会给你送通知。
【在 N**s 的大作中提到】
: 银行没有功夫帮city/county干活,他们只管批不批贷款.这种房子我见多了,没事儿.
|
m*f
发帖数: 8162 | 10 没有关系，但是你有权力让seller去拿到permit，如果你能等的话。 |
|
|
j***k
发帖数: 2719 | 11 this is not a responsible suggestion.
True, bank does not care about the country business. But bank generally checks because they would be taken on a big risk should the county ever askes the owner to tear down the addition, especially if the addition is a part of the main house. The same reason the bank would require you to buy property insurance. They wanna to protect them from any element that could lower the value of their mortgage collateral.
Even if the bank omits the check, buying a house without coc, would be like buying a time bomb.
The county could ask the owner to tear down the addition in the worst case.
No sane real estate attorny would ever let his/her client to purchase the property without a permit and a COC...
you can, of course buy whatever you want with cash, but why taking the risk? Remember, the extension in your case is an intergal part of the house, not an external deck or something. It would be very expensive to take it down.
【在 t**l 的大作中提到】
: 同意一下，满世界没permit的，贷款才不管这些呢，银行和appraiser从来就没问
: 题。跟你代理确认一下不就完了
: 好多房子公然就在listing里面写 unpermitted ...
: 唯一的问题就是如果以后和邻居闹翻了，邻居可以去City complain外面加盖的房子，
: City可能会给你送通知。
|
c*******e
发帖数: 776 | 12
这你就误导了，现在银行借钱没有估价公司出具估价单，你是做不了贷款，估价公司除
了价值外还管code的事情，要是出了差错，估价公司要负责，再说你今天发现这样的问
题，即使能过关，谁能保证你卖房子时下家不问你同样的问题，面对总比吾着好
【在 N**s 的大作中提到】
: 银行没有功夫帮city/county干活,他们只管批不批贷款.这种房子我见多了,没事儿.
|
t**l
发帖数: 577 | 13 要是你自己没有亲自经历，这只是纸上谈兵.要是你确实经历过这种问题，看来是每个
地区很不一样。
appraiser/bank/insurance never cared about the permit in the last 6
refinance that we did.
Also, the unpermitted area is always sold at lower price - the same
situation if LZ sells the house later.
Ask your agent/friends is probably the best for LZ
【在 c*******e 的大作中提到】
:
: 这你就误导了，现在银行借钱没有估价公司出具估价单，你是做不了贷款，估价公司除
: 了价值外还管code的事情，要是出了差错，估价公司要负责，再说你今天发现这样的问
: 题，即使能过关，谁能保证你卖房子时下家不问你同样的问题，面对总比吾着好
|
k******o
发帖数: 3328 | 14 Basically, the unpermitted area will not count in your house value/area (
with potentail trouble and extra space).
【在 E*****w 的大作中提到】
: 看了个房子，发现先前屋主在后面加建了个房子和卫生间，没有申请PERMIT的。穷人区
: ，可能没人管
: 我就是担心房子买下来了，到时候CITY来检查会怎么处理？
: 拆了事小，会不会再罚我钱啊？
|
j***k
发帖数: 2719 | 15 wow... you did 6 refinances! On the same property?
I had gone thru this myself this year. My title company caught the issue and
escalated it to my attorny and the mortgage company (citi bank). The title
company pulled the county record against the appraisal report and found the
difference.
The extenion was done in 1973 (a family room and a deck), the owner had the
permit but didn't obtain the certification of completion after the project
was done. This is a common error. The owner and her agent were already in
the process getting the certificatin of completion from the country and they
hired an expeditor (for an extra $20K fee). At the end, the county
inspector came and reqired a list of issues to be corrected, as well as
taking down the deck completely as it was too close to the neigbor's
property. The extra cost to the previous owner to get the final coc
including fixes and the fees was close to $40K. And because the deck was
taken down, they also lowered the price by another $15K.
the closing was pushed back by 4 months as the result.
If the county had gone further by asking the owner to take down the family
room completely, I would had just walked away and not taking the house.
an unpermitted extension is not a small issue.
【在 t**l 的大作中提到】
: 要是你自己没有亲自经历，这只是纸上谈兵.要是你确实经历过这种问题，看来是每个
: 地区很不一样。
: appraiser/bank/insurance never cared about the permit in the last 6
: refinance that we did.
: Also, the unpermitted area is always sold at lower price - the same
: situation if LZ sells the house later.
: Ask your agent/friends is probably the best for LZ
|
b*d
发帖数: 9308 | 16 没有Permit，到时候Appraiser检查出来，银行不会贷款的。
【在 E*****w 的大作中提到】
: 看了个房子，发现先前屋主在后面加建了个房子和卫生间，没有申请PERMIT的。穷人区
: ，可能没人管
: 我就是担心房子买下来了，到时候CITY来检查会怎么处理？
: 拆了事小，会不会再罚我钱啊？
|
