3常见的房地产或有事项需要了解

By
凯伦D. 弗里德曼
|
2021年9月6日
4分钟

什么是应急?

According to Oxford Languages, a contingency is “a provision for an unforeseen event or circumstance.” To a real estate agent, this means that an offer happens 只有在 满足某些要求.

All contingencies are designed to protect the buyer in the event that their conditions are not met.

假设有一个 房子标价100万美元 你有个感兴趣的买家. So, the buyer offers the full list price of $1,000,000 – great! But, there are a few contingencies with to the offer. This means “we will give you $1,000,000 for this house, but ONLY IF certain conditions are met.”

Now, what are the conditions that often accompany an offer?

We will discuss the three contingencies that you’ll see, which are appraisal, inspection, and loan. 那么,让我们先从评估开始.

什么是评估偶然性?

如果要约有评估的可能性, the buyer will purchase the house ONLY IF the house appraises at the offer price. So, the buyer will pay for an appraiser to inspect and write a report on the home’s value.

An appraisal contingency is reasonable because it protects the buyer if the house does not appraise at the offer price.

In our example, we have a list price of $1,000,000. So, the seller hopes that the appraised value is $1,000,000 or higher. 假设估价正好是100万美元. The seller is happy, the buyer is happy, and the appraisal contingency can now be removed.

在这一点上, the buyer signs a form to remove that contingency from the offer and proceed with the sale.

但是,等待! 如果 listing does NOT appraise at the offered price? 偶发事件就是安全网. In this case, the buyer can cancel the deal and get their deposit back.

什么是检验意外事故?

A general inspection contingency is to understand the home’s structural integrity. In other words, it determines if the home has good bones.

An inspection contingency lets the buyer purchase ONLY IF the home passes inspection. In this instance, a buyer hires an inspector to conduct a home inspection.  

检查员会到阁楼去, 检查房子下面, 会检查白蚁吗, 寻找任何缺陷或延迟维护, and will put everything that they find into a report. Typically, a big report means big issues with the home.

如果房子通过检查, 检查报告是“干净的”.” This is what the buyer would need to lift the inspection contingency and feel comfortable signing the removal form.

就像评估一样, in the event that the home does not pass inspection, 买家可以取消交易.

何谓贷款应变?

A loan contingency permits a property purchase ONLY IF the buyers can get loan approval from their bank or mortgage broker. 这一点对达成交易至关重要.

This contingency gives buyers the time to secure financing. Most people don’t have the full purchase amount available, which makes them rely on a lender’s approval.

If the lender does not approve the loan, the deal gets canceled. The sellers will have to find an offer from another buyer who has financing. 这就是为什么现金出价如此有价值. Cash buyers mean there is no need for loan contingencies.

Most buyers get pre-approved before they start looking at homes. This ensures they only make offers on the properties within their price range and it eliminates the need for a loan contingency. This also makes their offer more attractive to sellers.

意外事件的时间框架是什么?

Contingencies have a timeframe when they are added to an offer. 他们不是无限制的. Here are the timeframes associated with each contingency:

  • 评估应急:17天
  • 应急检查:17天
  • 贷款应急:21天

Although these are the default time frames on the contract, they’re also negotiable.

再一次, contingencies act as a safeguard for the buyer. But, they end at a specific time so the seller can entertain other offers. 例如, if the buyer can’t get a loan, the seller can move on to the next offer.

毕竟, if the contingencies are met at the end of the 17- or 21-day deadline, the buyer will sign a form removing all contingencies. The buyer’s protection is now removed in terms of backing out of the deal and getting their deposit back.

Final Thoughts on Contingencies in a Real Estate Transaction

有意外事故可以保护买家. But, offers with few to no contingencies are the most attractive to sellers. That’s because fewer contingencies mean fewer reasons the deal fails.

也, the buyer can choose not to use contingencies. Especially if the listing is hot and there are multiple offers.

例如, 如果买家想买新的建筑, which has the same price as other houses in the area, the buyer can choose not to add an appraisal and inspection contingency. From the seller’s perspective, this will make the buyer’s offer worthwhile and stand out.

每笔交易都是不同的. Always evaluate the market data and conditions before advising your client on how to write the offer and what contingencies to add.

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By
凯伦D. 弗里德曼
|
2021年9月6日
术语
销售
4分钟