i*****8 发帖数: 2691 | 1 1.好像是政府的fore closesure。如果我以自住名义买,可是实际是出租,会被发现么
?如果被发现,后果会怎样呢?
2.如果没有地毯,我会不会贷不到款呢?
3.如果因为种种原因,万一带不到款,我会损失什么钱么。押金应该能拿回来吧,那会
有什么钱是交了,可是会拿不回来的呢?inspection?
很急,因为最后两天给自住下offer了,过两天就open给所有人了,很多人等着这个房
子呢。
谢谢啊。答得好的,会真诚奉上小包子一个。 |
r******d 发帖数: 1879 | 2 1. Do you have any other property under your name? Are you the first time
buyer? If you do, you might be ok to claim the condo is your primary living
. I dont think lender will trace you unless you do the refinance later,
which will cause trouble for you since you rent the home out and you can not
prove this is yoru primary living.
Of course, worst case, you have to change the loan to the investment rate OR
lender will request to buy back due to mortgage fraud. But lender usually
will not really check.
You also need to check HOA documetation to see if there is any limitation
for rental. If owner occupancy ratio is too low in the community, you might
have trouble to get loan anyway regardless primary or investment rate.
2. Do you mean the condo suppose to have carpet but it is missing? Any
unfinished remodeling /on going project/obvious damages will impact your
loan approval. Lender will have to make sure you get all fixed before
closing. The foreclosure properties usually need alot repairs.
3. As long as you walk away before contingency time, you can get your
deposit back. But you will loose your house inspection fee, appraisal fee
and credit score checking fee if that is done already.
Good luck!
【在 i*****8 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 1.好像是政府的fore closesure。如果我以自住名义买,可是实际是出租,会被发现么 : ?如果被发现,后果会怎样呢? : 2.如果没有地毯,我会不会贷不到款呢? : 3.如果因为种种原因,万一带不到款,我会损失什么钱么。押金应该能拿回来吧,那会 : 有什么钱是交了,可是会拿不回来的呢?inspection? : 很急,因为最后两天给自住下offer了,过两天就open给所有人了,很多人等着这个房 : 子呢。 : 谢谢啊。答得好的,会真诚奉上小包子一个。
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i*****8 发帖数: 2691 | 3 太谢谢了。那个房子损坏程度不厉害,电器都有,就是缺地毯。倒是那个小区估计都是
以租为主的。 如果cash买,是不是就不存在lender会查我的问题了?那政府会不会找
我麻烦呢?
living
not
OR
might
【在 r******d 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 1. Do you have any other property under your name? Are you the first time : buyer? If you do, you might be ok to claim the condo is your primary living : . I dont think lender will trace you unless you do the refinance later, : which will cause trouble for you since you rent the home out and you can not : prove this is yoru primary living. : Of course, worst case, you have to change the loan to the investment rate OR : lender will request to buy back due to mortgage fraud. But lender usually : will not really check. : You also need to check HOA documetation to see if there is any limitation : for rental. If owner occupancy ratio is too low in the community, you might
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n*******9 发帖数: 3244 | 4 do not play with fire! if your purpose is to rent it out, tell the truth! if
you been caught, it will be fraud. Unless you collect cash only for rent
and rent to your relative and never claim other property at your tax return,
you may get away with this. Otherwise, it is quite easy to be find out.
think about whether it is worth or not before you do it.
【在 i*****8 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 太谢谢了。那个房子损坏程度不厉害,电器都有,就是缺地毯。倒是那个小区估计都是 : 以租为主的。 如果cash买,是不是就不存在lender会查我的问题了?那政府会不会找 : 我麻烦呢? : : living : not : OR : might
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i*****8 发帖数: 2691 | 5 那个其实就是个几万刀的小condo,我是打算现在出租,以后或许会住过去。我没有其
他的property。租金我是打算报税的,也没打算隐瞒。就是现在只接受自住的offer,
等过了这两天,公开接受offer的时候,估计就轮不到我了。
if
return,
【在 n*******9 的大作中提到】![](/moin_static193/solenoid/img/up.png) : do not play with fire! if your purpose is to rent it out, tell the truth! if : you been caught, it will be fraud. Unless you collect cash only for rent : and rent to your relative and never claim other property at your tax return, : you may get away with this. Otherwise, it is quite easy to be find out. : think about whether it is worth or not before you do it.
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k******e 发帖数: 1579 | 6 银行是不管的。只要没人捣乱,不会有事。
condo 管理会会管。有可能会被替出去。
【在 i*****8 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 那个其实就是个几万刀的小condo,我是打算现在出租,以后或许会住过去。我没有其 : 他的property。租金我是打算报税的,也没打算隐瞒。就是现在只接受自住的offer, : 等过了这两天,公开接受offer的时候,估计就轮不到我了。 : : if : return,
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a****e 发帖数: 9589 | 7 1,很麻烦。首先,以自住名义买,可是实际是出租,是会被发现的,结果就是欺骗政
府,房屋充公。其次,HOA 也有rent restrict, 如果私下出租,被发现后会有罚款,
大概是出租额(税前哦)的10~50%,具体请咨询自己的HOA
2,不会,只要房屋的 appraisal - down-payment 高于你的贷款额的一定比例(银行
定的,比如可能是1,也可能1.2,也可能0.8)即可
3,狭义地说,可能会损失inspection fee,appraisal fee,finance application
fee,广义地说,还会有交通费,押金利息,嘴皮子磨损费等等等等
【在 i*****8 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 1.好像是政府的fore closesure。如果我以自住名义买,可是实际是出租,会被发现么 : ?如果被发现,后果会怎样呢? : 2.如果没有地毯,我会不会贷不到款呢? : 3.如果因为种种原因,万一带不到款,我会损失什么钱么。押金应该能拿回来吧,那会 : 有什么钱是交了,可是会拿不回来的呢?inspection? : 很急,因为最后两天给自住下offer了,过两天就open给所有人了,很多人等着这个房 : 子呢。 : 谢谢啊。答得好的,会真诚奉上小包子一个。
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i*****8 发帖数: 2691 | 8 谢谢楼上各位,算了,不冒这个险了。要bid也按投资来bid就算了。 |
b*d 发帖数: 9308 | 9 如果是cash买,根本就没有lender。
【在 i*****8 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 太谢谢了。那个房子损坏程度不厉害,电器都有,就是缺地毯。倒是那个小区估计都是 : 以租为主的。 如果cash买,是不是就不存在lender会查我的问题了?那政府会不会找 : 我麻烦呢? : : living : not : OR : might
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B******y 发帖数: 9065 | 10 当然,如果是要投资的,就按投资买。
我原来看中一个Foreclosure的Condo,但拒绝在Fannie Mea的那个自住条款上签字,后
来Condo接受了一个比我开价还低的Offer,就因为那个买家是要自己住,Foreclosure
的房子会优先照顾这种买房者。后来他的贷款没有批下来,就轮到我了。因为我开宗明
义的说是投资房,后来一系列的限制条款(多少年内不许卖等等)都不用签。当然
homeowner tax claim的好处享受不到,不过就十几万买的Condo,也没有多少优惠。一
句话,实话实说,出于什么目的买什么样的房,一切按规矩办事,就不会有问题。
【在 i*****8 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 谢谢楼上各位,算了,不冒这个险了。要bid也按投资来bid就算了。
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