i*****0
发帖数: 1113 | 1 收到city信说房子背后有个extra room是unpermit的，要求拆除--估计是被人举报了？是该ignore这个信还是真的要去拆除？citi居然说拆除也要去申请permit。
弯曲很多房子都有unpermit的建筑，估计这种情况不少见，大家都怎么处理的？
谢谢建议。 |
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m******e
发帖数: 245 | 2 看中一房，但是地下室的kitchen和central air system都是unpermitted。 可以买吗
？ |
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m******e
发帖数: 245 | 3 谢谢大家解答。这个房子整体觉得不错。价格也还好。所以让agent打听消息。 没想到
发现这么多的unpermitted work。
看来还是move on好了。 |
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f****i
发帖数: 20252 | 4 unpermitted bathroom？
那得贵点，不过反正是地下室，拆完就当是unfinished好了 |
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S********C
发帖数: 66 | 5 看上的condo里有 Unpermitted bedroom, hoa应该不知情。
除了
贷款可能办不下来，
可能这些房间甚至这个condo 没法办房屋保险，
请问还有其他风险吗？
可以不拆除 保留吗？ |
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s****s
发帖数: 2163 | 6 这个得跟CITY去谈谈。找个人问问他们怎么办。不过很有可能就得按CITY说的做。
你CLOSE的过程中得罪谁了？对方有没有FULLY DISCLOSE the unpermitted room.
？是该ignore这个信还是真的要去拆除？citi居然说拆除也要去申请permit。 |
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p***e
发帖数: 1318 | 7 这种事是比较麻烦。 建议可以先看一下disclosure, unpermitted room应该在
disclosure上，要不然是seller的错。如果有disclose, 可以看看什么时候建的，
如果很老，可能可以被grandfather. 如果新，可以试试找到原来的contractor问问
看看是不是有违章的地方，还是只是偷懒省钱，没有申请permit. 找新的contractor
的话，最好先问问一个熟悉santa clara的。先大概有点概念，哪里可能违章，
cost多少。要是setback violation的话，可能没什么好办法弥补了。
也要房黑到底！
owner大不容易啊，特别是在是非很多得弯曲。 |
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i*****0
发帖数: 1113 | 8 今天问了seller，那个backyard的 un－permited room是1992年修的，都在那里20年了。这个old 程度能要求被grandfather么？
听说一个unpermited的房间7年后city就不能追究责任了，何况这个东西是前owner 20年前面修的，我们买的是银行的sold “as is” condition的。
thanks |
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d****n
发帖数: 277 | 9 UNPERMITTED和SOLD AS IS是两回事，这个最多是免了SELLER的责任，你没做好
HOMEWORK是你的事。
了。这个old 程度能要求被grandfather么？
20年前面修的，我们买的是银行的sold “as is” condition的。 |
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r******d
发帖数: 1879 | 10 General speaking, any unpermit additional in the property will have troubles
for resell or refinance. Only few lenders can accept property without
permit with higher rate. many clients will not choose the unpermit property
to avoid trouble.
It also depend on appraisers. If they put your property "subject to" on the
report, you will have trouble. But if they just ignore the unpermit
construction and doesn't put anything in the report, you will be fine.
We just close one loan with same situation a... 阅读全帖 |
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r******d
发帖数: 1879 | 11 Apparently Seller is aware of this issue but trying to not disclose it. He
would know that unpermit condition will discorage seller and impact his
selling power. He suppose to disclose to the buyer in the disclosure at
first place. If he is really innocent, he should check NO in the item that
he is not aware of the unpermit addtion for the property.
Did your appraisal report mentioned about anything for the unpermit addition
? You should see " the project is subject to permission...etc " in the... 阅读全帖 |
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B*******l
发帖数: 199 | 12 下次做refi的时候一定要跟你的agent说明是unpermitted kitchen,不然有可能白交
appraisal fee, 因为有很多lender是不做unpermitted kitchen的 |
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r******d
发帖数: 1879 | 13 sorry, you can get it from City too.
The listing agent should provide this informaiton for you. Buyer should
disclose the unpermit addition to the buyer. With unpermit addition, you
will have some restrictions on the loan since alot of lenders will not take
such property. |
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r******d
发帖数: 1879 | 14 This question has been asked many times on the board. For the property with
unpermit additioin,
1. It will impact the resell value. Many people try to avoid such property.
2. You will have issue for the loan. The best rate lender will not take
unpermit property and you will have higher rate for the financing. |
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t******r
发帖数: 123 | 15 We are taking offers on this property early next week, can you send it out?
Thanks!
$1,488,000, Off Market
cupertino , beautiful lot
* 1900 sq. ft. home without additions (buyer to verify)
* 10,300sq. ft. lot (buyer to verify)
* Located at the end of a quiet cul-de-sac
* 3 bedrooms, 2 bathroom, huge open kitchen/family room, separate living
room
* Excellent Cupertino schools
* Great neighborhood with many remodeled homes
* Original condition,
* Additions are unpermitted
* Basem... 阅读全帖 |
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t******r
发帖数: 123 | 16 We are taking offers on this property early next week, can you send it out?
Thanks!
$1,488,000, Off Market
cupertino , beautiful lot
* 1900 sq. ft. home without additions (buyer to verify)
* 10,300sq. ft. lot (buyer to verify)
* Located at the end of a quiet cul-de-sac
* 3 bedrooms, 2 bathroom, huge open kitchen/family room, separate living
room
* Excellent Cupertino schools
* Great neighborhood with many remodeled homes
* Original condition,
* Additions are unpermitted
* Basem... 阅读全帖 |
|
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l****z
发帖数: 29846 | 18 加州奥克兰华裔民主党市长关丽珍(Jean Quan)对“占领华尔街”示威进退失据；“她
对极左的占领运动的明显好感已经危及了她的城市”
Disorganizer-in-Chief
Jean Quan is a poor excuse for a mayor.
Occupy Oakland called for a general strike — the city grinding to a halt,
banks unattended, and schools closed. What they got was a few thousand
protesters vandalizing banks and briefly closing a unionized port, but more
important, a mayor happy to facilitate it all. Wednesday night would have
been no more disturbing than a vigorous though destructive demonstration by... 阅读全帖 |
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l****z
发帖数: 29846 | 19 Stunner: Mostly Peaceful May Day March Turns Violent in Seattle, Eight Cops
Injured
by Jammie
Gee, who could have seen this coming? Well, except for the fact every year
these so-called “peaceful” protests turns violent.
Seattle police were determined during the day to let protesters
peacefully move about the city while not tolerating lawbreaking affecting
property and peoples’ safety. By nightfall, police were using pepper spray
and pushing protesters back. The night ended with 18 arrests an... 阅读全帖 |
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o**********7
发帖数: 242 | 20 房主把covered patio改建成了一间屋子，但是没有permit。如果买了这样的房子会有
什么问题？以后万一卖房子是不是也会有问题？ |
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t*******r
发帖数: 238 | 21 your city could force you to remove it. Ask the seller to correct the error. |
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o**********7
发帖数: 242 | 22 Seems I'd better stay away from it then. Thanks. |
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m***y
发帖数: 14763 | 23 Usually, the city/town want you to apply a permit for basement. But
unpermitted finished basement is not so uncommon around here. Don't ask, don
't tell. |
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B*******l
发帖数: 199 | 24 还是申请permit比较好， 电线和换窗户不一样，如果不按code做，说不定有火灾触电
的隐患。
其实任何的装修都应该申请permit. Contractor知道有人会来检查，多少都会认真一些
， 以后可能会省很多麻烦。
有些unpermitted work, lender是不给做贷款的，很多人不知道， 等做了appraisal之
后才知道，四五百块的appraisal fee就白交了 |
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t**l
发帖数: 577 | 25 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。 |
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t**l
发帖数: 577 | 26 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 |
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k******o
发帖数: 3328 | 27 Basically, the unpermitted area will not count in your house value/area (
with potentail trouble and extra space). |
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j***k
发帖数: 2719 | 28 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 ... 阅读全帖 |
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b********2
发帖数: 5191 | 29 这是对purchase loan吧，如果是refi,怎么能知道有unpermitted 加建呢？有的lender
对加建要求是很严的 |
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b********2
发帖数: 5191 | 30 不过它家是少数能做unpermit construction的lender之一. |
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l*****u
发帖数: 12114 | 31 一般那些广告里说有bonus room的是不是就是unpermitted construction? |
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b********2
发帖数: 5191 | 32 您只能找在您的州有license的loan agent. 并且最好提供多一些信息:
1. Loan type: [Purchase/Refinance]
2. House type: [Single Family House Type/Town House/Condo]
3. Have HOA? [Yes/No]
4. House value:
5. Loan amount:
6. FICO score (Credit score):
7. Desired loan term: [30 Yr. Fixed/15 Yr. Fixed/7ARM/5ARM]
8. With impound: [Yes/No]
9. Have HELOC (Home Equity Line of Credit): [Yes/No]
10. Your current loan term and rate if refinance:
11. Status [Green Card/H1B/Others]:Green Card
12. If your house has extension without permi... 阅读全帖 |
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Q***N
发帖数: 2972 | 33 可能是UNPERMITED 的UPGRADE,新加的面积没法RECORD. |
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k******o
发帖数: 3328 | 34 Ask you agent to check your house profile. If your area is larger than state
recorded, there might be unpermitted construction. |
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r******d
发帖数: 1879 | 35 the best rate in CA is 3.5% for 30 yrs fix new purchase no cost.
However, every one's case is different. You might not be able to choose the
lowest rate lender due to DTI, unpermit addition, condo, credit score, visa
issue, COE....etc
But no matter what,if you already locked the rate,just try to get it close
smoothly.
Best luck. |
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f****i
发帖数: 20252 | 37 不一定，appraisal的时候全程紧跟。
但是得做好逃跑的准备，还有要杀价，kitchen的拆除费用得算进去。 |
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b*d
发帖数: 9308 | 38 是啊,如果非这个房子不可,那就要求seller把kitchen拆了吧. |
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f****i
发帖数: 20252 | 39 seller有可能不肯，因为得先贴一遍钱进去，房子还不一定卖得掉。
看市场热不热了 |
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m******e
发帖数: 245 | 40 拆厨房花费高 不？ 房主好像对自己的房子有信心不肯降价。 |
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m******e
发帖数: 245 | 42 那还好，就怕其他的东西包括central air，bathroom，都要拆。这一套下来估计得
5000以上。 |
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f****i
发帖数: 20252 | 44 只是拆的话最多5k就够恢复原样了
看拆完了房子还值多少钱。 |
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r******d
发帖数: 1879 | 46 1. you have choice to lock 15 days, 30 days, 45 days or 60 days. The longer
time you lock, the higher the rate OR less rebate you will get. Usually new
purchase will be locked in for 30 days and refinance will be 45 days based
on the recent lenders prcocessing speed. some broker like to lock it first
to gurantee the rate they promise. some broker like to lock it later once
the loan is fully approved with short time to get better rate ( assume the
rate will not go up). I always suggest my client... 阅读全帖 |
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w****a
发帖数: 6326 | 47 ☆─────────────────────────────────────☆
maddie (天天向上) 于 (Sat Dec 8 14:27:12 2012, 美东) 提到:
做完了inspection,发现地下室装修没有permit，我们提出让seller去弄一个，结果
listing agent回话说seller非常upset，我们说那算了，给500的credit，我们自己弄
permit好了，结果seller因为持续upset，决定房子不卖了。。。。
唉，折腾了这么久，好不容易看中一个合适的。seller这是啥心态啊。。。。
☆─────────────────────────────────────☆
juanxi (Ahhh, potential customer~) 于 (Sat Dec 8 14:31:32 2012, 美东) 提到:
不卖给你，卖给别人
☆─────────────────────────────────────☆
maddie (天天向上) 于 (Sat Dec 8 14:33:34 2012, 美东) 提到:
... 阅读全帖 |
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o*****p
发帖数: 5952 | 48 有可能是 unpermitted addition. |
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r******d
发帖数: 1879 | 49 Yes, you still can get the loan but with the higher rate. Or if the
individual appraisor didnt write anything at the appraisal report but only
whatever the county record sqf, then you are fine too. However, if the loan
agent is aware of the unpermit addition ahead of time, they will not take
the risk to send to the lender with restrictions. |
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r******d
发帖数: 1879 | 50 If only doing the remodeling such as upgrade the kitchen, replace the carpet
by hardwood....etc, you dont need to have permit. However, if the seller
add new room, new kitchen.....etc, you do need to have the permit. otherwise
you might have some issues for the loan since some lenders have restriction
for unpermit addtion. |
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