急问,到底是先谈好价再做贷款pre approval,还是反过来?

kissxun

rinoa 发表于 2012-10-31 17:05

可能之前没说清楚,pre approval已经批了,可能这个broker想快点从银行拿钱?不过我已经和他说先不做valuation ...
valuation一般是银行做的，是银行正式放款的程序之一，很少听说自己在买房之前或者签合同之前先做的。。。。
valuation也轮不到自己去决定，是银行说啦算。。。。
当然银子多是另外一回事。。。。

bhyqs

valuation的report是confidential的。中介怎么可能知道

rinoa

kissxun 发表于 2012-10-31 19:12

valuation一般是银行做的，是银行正式放款的程序之一，很少听说自己在买房之前或者签合同之前先做的。。 ...
就是银行说要去v的啊，中介不会知道到底V了多少钱，只是问我如果V的价格比我的offer高怎么玩。。

easfarm

if it's an auction, suggest you do the valuation first so that you know how much the bank will lend you as no cooling off period applied to auction. If just EOI (express of interest) then you can do the valuation during the cooling off. Sometimes, you will find the offer price is over the valuation from the bank.

phzheng

rinoa 发表于 2012-10-31 13:19

那我现在已经和broker说暂时不要叫银行去valuation那套房子了。而那套房子个人感觉不是很抢手，总觉的就我 ...
Your broker is actually trying to protect you. If you signed the contract especially with action. You have to buy it no matter how much the valuation is. Try not to over capitalize.

phzheng

这个中介好变态啊

owner

Normally, when you apply valuation, you should always put a value higher than the price you offer. Say you offer 850k, you should put 900k. This protects yourself. Remember Bank won't value anything higher than the contract price even though it's higher. Vice versa, if you put lower than your offer price, then most likely the valuation will be equal or lower than the price

phzheng

easfarm 发表于 2012-10-31 22:16

我提一下，这间中介有点欺人。中介看出你是新手，所以才问什么V高了怎么办。都是废话，高了我就赚到了，还 ...
ray white拉..
这间中介也比较好玩,我去看那间房本来是去打酱油,只是说了自己的预算而已,结果他就拿我的最高额去和房东讲,反正现在我不想那间房了..在看房过程中也学了很多东西,特别感谢澳洲上的同学们....

rinoa

phzheng 发表于 2012-11-2 16:49

Your broker is actually trying to protect you. If you signed the contract especially with action.  ...
谢谢你CPA,我也了解了一下顺序:)

andong

帮你顶顶！！！