J****u 发帖数: 229 | 1 看了一年的房子,最后看上了一个short sale的房子,看版上很多人买short sale的房
子,所以来求建议。其实自己从内心讲有点惧怕short sale的房子,因为银行审批需要
很长时间,中间不确定因素很多,觉得很危险。所以有些问题听听大家的意见。
1。银行审批大约需要多长时间?
2。如果我们现在给一个offer,我们如果在还没有得到银行消息之前,又看上了别的房
子想给offer,我们是不是可以把第一个offer撤回?还是我们只能等银行消息不可以再
给其他offer了?
3。据说这个房子的asking price和他们欠银行的钱差不多,而我们也不可能给接近
asking price的offer,那大约给多少钱的offer比较合适?从网上看到说低于loan10%-
20%的offer都差不多能接受,是不是这么回事?
4。seller在接受我们offer给银行approval的过程中,是不是也可以接受别的offer?
如果这个offer高于我们的,我们是不是可以重新给个新offer?还是就这个offer不能
变了呢?
5。如果等了很长时间,银行给了一个counter offer,我 |
s*******a 发帖数: 921 | 2 ss的房子能不碰就不要碰了。真的,血的教训!我们去年12月底遇到一个号称是卖价已
经被批准的ss的房子。我们的offer价钱就是银行的报价,就这,也等到了现在。这里面的头
头道道太多了。眼看着要签合同了,又发现listing agent帮seller订了一个negotiator来和
银行打交道,号称因此减小seller被forclosure的可能性。但是雇佣这个negotiator的费用居
然要我们出!!不公平吧?可是都花费了巨大的人力物力精神和情绪了。按照LD同事的说法,
不买下来都对不住自己。可是买吧,凭什么listing agent雇佣人的费用要我出?那人又没有
为我办事儿!现如今,花着normal sale的价钱,ss的时间享受着reo的委屈继续为这个破屋子
忙碌着。真想不明白为啥这么折磨我自己!
另外简单回复你的问题。银行的审批时间完全由银行的心情来定,没有人知道会有多长
时间。直到银行给你们手写笔在的approval以前这个offer就当是白投了。不停止的看各类房
子,啥时候有更加成熟的啥时候撤出原来所有的ss就ok;ss的listing price就是一个joke,
在银
【在 J****u 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 看了一年的房子,最后看上了一个short sale的房子,看版上很多人买short sale的房 : 子,所以来求建议。其实自己从内心讲有点惧怕short sale的房子,因为银行审批需要 : 很长时间,中间不确定因素很多,觉得很危险。所以有些问题听听大家的意见。 : 1。银行审批大约需要多长时间? : 2。如果我们现在给一个offer,我们如果在还没有得到银行消息之前,又看上了别的房 : 子想给offer,我们是不是可以把第一个offer撤回?还是我们只能等银行消息不可以再 : 给其他offer了? : 3。据说这个房子的asking price和他们欠银行的钱差不多,而我们也不可能给接近 : asking price的offer,那大约给多少钱的offer比较合适?从网上看到说低于loan10%- : 20%的offer都差不多能接受,是不是这么回事?
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c****o 发帖数: 32446 | 3 这个换行看的老夫好累
【在 s*******a 的大作中提到】![](/moin_static193/solenoid/img/up.png) : ss的房子能不碰就不要碰了。真的,血的教训!我们去年12月底遇到一个号称是卖价已 : 经被批准的ss的房子。我们的offer价钱就是银行的报价,就这,也等到了现在。这里面的头 : 头道道太多了。眼看着要签合同了,又发现listing agent帮seller订了一个negotiator来和 : 银行打交道,号称因此减小seller被forclosure的可能性。但是雇佣这个negotiator的费用居 : 然要我们出!!不公平吧?可是都花费了巨大的人力物力精神和情绪了。按照LD同事的说法, : 不买下来都对不住自己。可是买吧,凭什么listing agent雇佣人的费用要我出?那人又没有 : 为我办事儿!现如今,花着normal sale的价钱,ss的时间享受着reo的委屈继续为这个破屋子 : 忙碌着。真想不明白为啥这么折磨我自己! : 另外简单回复你的问题。银行的审批时间完全由银行的心情来定,没有人知道会有多长 : 时间。直到银行给你们手写笔在的approval以前这个offer就当是白投了。不停止的看各类房
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s*******a 发帖数: 921 | |
c****o 发帖数: 32446 | 5 你是不是用的chrome,股沟的破烂玩意
【在 s*******a 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 老大教教俺咋整个好看的吧。俺自己看着也烦^_^
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p********a 发帖数: 5352 | 6 1. WHO KNOWS?没有APPROVED我一般不投OFFER,或者不看房就随便下OFFER,以后有戏
再说
2. 我看见不错的SHORT SALE就马上投OFFER,一般SELLER对我有兴趣,我就看看房子,
觉得不行就BACK OUT了。夸张的说我投的OFFER比我看的房都多了
3.OFFER跟他的LOAN没任何关系。一般都给FULL PRICE吧
SHORTSALE就是碰运气而已。 |
s*******a 发帖数: 921 | 7 高手啊,无线仰慕中、、、、、
【在 c****o 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 你是不是用的chrome,股沟的破烂玩意
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m***y 发帖数: 14763 | 8 Many folks are doing short sales to keep living in there free. Such people
will try their best to break the deal, and the most popular trick is pissing
you off. |
a*o 发帖数: 25262 | 9 We signed a contract to buy a short sale house from a seller a year ago. It
was approved by the bank. After we have done everything, house inspection,
obtained a loan with a good rate, and the attorneys prepared everything for
closing. When we were scheduling for closing, the seller changed her mind
and she didn't want to sell the house because Obama's loan modification
program, and she breached the contract. They returned our deposit. The
attoney advised us there are few options we can take, fi |
m***y 发帖数: 14763 | 10 Sadly true. And the story doesn't end here, this person probably found out
Obama's loan modification program is not good enough for her and now she's
already put her house back on market for short sale.
It
for
house
【在 a*o 的大作中提到】![](/moin_static193/solenoid/img/up.png) : We signed a contract to buy a short sale house from a seller a year ago. It : was approved by the bank. After we have done everything, house inspection, : obtained a loan with a good rate, and the attorneys prepared everything for : closing. When we were scheduling for closing, the seller changed her mind : and she didn't want to sell the house because Obama's loan modification : program, and she breached the contract. They returned our deposit. The : attoney advised us there are few options we can take, fi
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f****i 发帖数: 20252 | 11 shortsale猫腻是多
可是也有空子钻,可以用dual agent
【在 m***y 的大作中提到】![](/moin_static193/solenoid/img/up.png) : Sadly true. And the story doesn't end here, this person probably found out : Obama's loan modification program is not good enough for her and now she's : already put her house back on market for short sale. : : It : for : house
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s*******e 发帖数: 264 | 12 basically, i won't touch short sale at this time.
1。银行审批大约需要多长时间?
variable. typically 2-3 moths in good time. right now? be preparing for 1+
year...
i don't know but guess that depends on how bad the bank wants that money.
2。如果我们现在给一个offer,我们如果在还没有得到银行消息之前,又看上了别的房
子想给offer,我们是不是可以把第一个offer撤回?还是我们只能等银行消息不可以再
给其他offer了?
1) you can make more than one offer (in theory) as long as you have the
ability to get the loan to cover the
total number. But many people who can afford only one property will do
【在 J****u 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 看了一年的房子,最后看上了一个short sale的房子,看版上很多人买short sale的房 : 子,所以来求建议。其实自己从内心讲有点惧怕short sale的房子,因为银行审批需要 : 很长时间,中间不确定因素很多,觉得很危险。所以有些问题听听大家的意见。 : 1。银行审批大约需要多长时间? : 2。如果我们现在给一个offer,我们如果在还没有得到银行消息之前,又看上了别的房 : 子想给offer,我们是不是可以把第一个offer撤回?还是我们只能等银行消息不可以再 : 给其他offer了? : 3。据说这个房子的asking price和他们欠银行的钱差不多,而我们也不可能给接近 : asking price的offer,那大约给多少钱的offer比较合适?从网上看到说低于loan10%- : 20%的offer都差不多能接受,是不是这么回事?
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a*o 发帖数: 25262 | 13 Yeah, if you have time and energy, you may have a chance to get a good deal.
We were using the dual agent, even the agent recommended us to sue her for
the $ I spent.
There were few Chinese real estate agents mentioned that they won't deal
with short sale houses since there were too many cases involving legal
issues.
【在 f****i 的大作中提到】![](/moin_static193/solenoid/img/up.png) : shortsale猫腻是多 : 可是也有空子钻,可以用dual agent
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f****i 发帖数: 20252 | 14 offer有效期一般1-2礼拜,银行批准至少一个月,出multiple offer不会有啥危险
【在 s*******e 的大作中提到】![](/moin_static193/solenoid/img/up.png) : basically, i won't touch short sale at this time. : 1。银行审批大约需要多长时间? : variable. typically 2-3 moths in good time. right now? be preparing for 1+ : year... : i don't know but guess that depends on how bad the bank wants that money. : 2。如果我们现在给一个offer,我们如果在还没有得到银行消息之前,又看上了别的房 : 子想给offer,我们是不是可以把第一个offer撤回?还是我们只能等银行消息不可以再 : 给其他offer了? : 1) you can make more than one offer (in theory) as long as you have the : ability to get the loan to cover the
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f****i 发帖数: 20252 | 15 I guess I was lucky. My purchase process was as smooth as a regular sale.
deal.
for
【在 a*o 的大作中提到】![](/moin_static193/solenoid/img/up.png) : Yeah, if you have time and energy, you may have a chance to get a good deal. : We were using the dual agent, even the agent recommended us to sue her for : the $ I spent. : There were few Chinese real estate agents mentioned that they won't deal : with short sale houses since there were too many cases involving legal : issues.
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m***y 发帖数: 14763 | 16 A lot of agencies here can't do short sales. Even internet ones, like redfin
, enforce such policies.
It's not just the lower prices reduce the commission, instead, it's the high
failure rate. Agents also need to make a living, if the deals break, they
got nothing. To make it worse, when there is a lawsuit, they are involved!
Another waste of time and energy |
s**********d 发帖数: 36899 | 17 你这个跟short sale没关系,正常sale seller buyer
back out的也有的是。
It
inspection,
for
mind
【在 a*o 的大作中提到】![](/moin_static193/solenoid/img/up.png) : We signed a contract to buy a short sale house from a seller a year ago. It : was approved by the bank. After we have done everything, house inspection, : obtained a loan with a good rate, and the attorneys prepared everything for : closing. When we were scheduling for closing, the seller changed her mind : and she didn't want to sell the house because Obama's loan modification : program, and she breached the contract. They returned our deposit. The : attoney advised us there are few options we can take, fi
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f****i 发帖数: 20252 | 18 seller逃走,去办loan modification的可能更容易碰到吧
【在 s**********d 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 你这个跟short sale没关系,正常sale seller buyer : back out的也有的是。 : : It : inspection, : for : mind
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s**********d 发帖数: 36899 | 19 除非是pre-approved,否则你可以随时在bank approve
以前退出,所以你还可以给别的房子offer。seller也会收
别的offers给银行。
一般2-3个月批的常见,但一年甚至更长的也有。
价钱看market和别人的competing offer。
有counter offer就快了。
记住,给short sale offer心里就要觉得跟没给一样。。。
你应该找一个对short sale有经验的agent。 |
f****i 发帖数: 20252 | 20 listing agent收了backup offer也不会递的,要不然给自己找麻烦
【在 s**********d 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 除非是pre-approved,否则你可以随时在bank approve : 以前退出,所以你还可以给别的房子offer。seller也会收 : 别的offers给银行。 : 一般2-3个月批的常见,但一年甚至更长的也有。 : 价钱看market和别人的competing offer。 : 有counter offer就快了。 : 记住,给short sale offer心里就要觉得跟没给一样。。。 : 你应该找一个对short sale有经验的agent。
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a*o 发帖数: 25262 | 21 Interesting enough, my attorney told us that it was his first time seeing
this, although he's in the business for over 15 years.
【在 s**********d 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 你这个跟short sale没关系,正常sale seller buyer : back out的也有的是。 : : It : inspection, : for : mind
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a*o 发帖数: 25262 | 22 To find a good experienced, honest agent is hard. In our house searching for the pass two years, we dealt with many agents. Whenever you make an offer,the agent would tell you a day later there's another higher offer
comes in and ask to match. What a BS.
【在 s**********d 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 除非是pre-approved,否则你可以随时在bank approve : 以前退出,所以你还可以给别的房子offer。seller也会收 : 别的offers给银行。 : 一般2-3个月批的常见,但一年甚至更长的也有。 : 价钱看market和别人的competing offer。 : 有counter offer就快了。 : 记住,给short sale offer心里就要觉得跟没给一样。。。 : 你应该找一个对short sale有经验的agent。
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s**********d 发帖数: 36899 | 23 说了capa的就递。大多数short sales都是。
pre-approved才会是收了变contigent/pending.
【在 f****i 的大作中提到】![](/moin_static193/solenoid/img/up.png) : listing agent收了backup offer也不会递的,要不然给自己找麻烦
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s**********d 发帖数: 36899 | 24
seeing
我们朋友就有一个seller backed out。
啥招没有,只能让人家给赔了inspection, loan application
之类有关的钱。
【在 a*o 的大作中提到】![](/moin_static193/solenoid/img/up.png) : Interesting enough, my attorney told us that it was his first time seeing : this, although he's in the business for over 15 years.
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f****i 发帖数: 20252 | 25 capa是啥?
【在 s**********d 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 说了capa的就递。大多数short sales都是。 : pre-approved才会是收了变contigent/pending.
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s**********d 发帖数: 36899 | 26
你在网上看房子status,一般是active, pending,
active contingent. short sale很多是active capa,
就是他们接受multiple offers,也都送给bank。
【在 f****i 的大作中提到】![](/moin_static193/solenoid/img/up.png) : capa是啥?
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f****i 发帖数: 20252 | 27 如果是我,不会送这种房子的offer,不觉得能搞到好deal
【在 s**********d 的大作中提到】![](/moin_static193/solenoid/img/up.png) : : 你在网上看房子status,一般是active, pending, : active contingent. short sale很多是active capa, : 就是他们接受multiple offers,也都送给bank。
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s**********d 发帖数: 36899 | 28
一般short sale都是这样的。
【在 f****i 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 如果是我,不会送这种房子的offer,不觉得能搞到好deal
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f****i 发帖数: 20252 | 29 我出了十几个shortsale的offer,还没见过这样的。
【在 s**********d 的大作中提到】![](/moin_static193/solenoid/img/up.png) : : 一般short sale都是这样的。
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f********4 发帖数: 955 | 30 没什么问题啊。我看的都是short sale和foreclosure的。正常卖的买不起。房子的情
况肯定是要差一些了。关键是看有没有硬伤,如屋顶,水管,霉,窗户,暖气/空调有
没有问题。其他的地板墙壁什么的再破也很容易搞定。 |
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m***y 发帖数: 14763 | 31 Your friends should consider them lucky. What can they do if the seller
chooses not to cough up any money? Sellers are already very close to
bankruptcy anyway.
【在 s**********d 的大作中提到】![](/moin_static193/solenoid/img/up.png) : : 一般short sale都是这样的。
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r******r 发帖数: 113 | 32 如果你和seller已经签了contract,并送给银行审批了。在银行approve之前,你怎么
back out contract呢?用inspection contigency吗?还是在你签合约的时候,有特别
的条例?谢谢
【在 s*******e 的大作中提到】![](/moin_static193/solenoid/img/up.png) : basically, i won't touch short sale at this time. : 1。银行审批大约需要多长时间? : variable. typically 2-3 moths in good time. right now? be preparing for 1+ : year... : i don't know but guess that depends on how bad the bank wants that money. : 2。如果我们现在给一个offer,我们如果在还没有得到银行消息之前,又看上了别的房 : 子想给offer,我们是不是可以把第一个offer撤回?还是我们只能等银行消息不可以再 : 给其他offer了? : 1) you can make more than one offer (in theory) as long as you have the : ability to get the loan to cover the
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M******9 发帖数: 218 | 33 but you can use escalation clause in bidding - 请问这个是说啥呢
1+
money.
【在 s*******e 的大作中提到】![](/moin_static193/solenoid/img/up.png) : basically, i won't touch short sale at this time. : 1。银行审批大约需要多长时间? : variable. typically 2-3 moths in good time. right now? be preparing for 1+ : year... : i don't know but guess that depends on how bad the bank wants that money. : 2。如果我们现在给一个offer,我们如果在还没有得到银行消息之前,又看上了别的房 : 子想给offer,我们是不是可以把第一个offer撤回?还是我们只能等银行消息不可以再 : 给其他offer了? : 1) you can make more than one offer (in theory) as long as you have the : ability to get the loan to cover the
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M******9 发帖数: 218 | 34 我有一个short sale offer present to bank, 一个loan, listing price approved
, seller在里面住了快一年了, 不知道有希望没
我看的range, regular sale 和 REO 都抢疯了,动不动就是10几 20个offer, 还几
个all cash offer, 就这个short sale出来两天8个offer, 房子没看就给offer了...
要是没有appraisal限制,这个地方也会像国内样猛涨? |
s**********d 发帖数: 36899 | 35
我朋友那个是正常sale,几年前的。
大概是seller觉得卖便宜了
【在 m***y 的大作中提到】![](/moin_static193/solenoid/img/up.png) : Your friends should consider them lucky. What can they do if the seller : chooses not to cough up any money? Sellers are already very close to : bankruptcy anyway.
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