Assignment(新房转让)贷款须知

字体 -

Kathy Wang

20Assignment.jpg


最近遇到客户签了新房的转让合同,但在贷款的时候却发现申请贷款的金额并不能按照转让价格来计算。 那么关于签了转让合同的新房该如何申请贷款?

购房合同的转让是指在原来的买主在房子建成交房前将原始的购房合同买给另一位买主。转让合同一般是发生在新建的物业上,又以新建Condo单位居多。

在为转让物业合同申请按揭贷款时,需要提供以下文件

* 原始购房者与开发商签署的购房合同 (Original Agreement of Purchase and Sale)

* 购房转让合同 (Assignment of Agreement of Purchase and Sale)

* 开发商的同意书 (Consent Letter signed by the builder)

* 银行认可的评估公司的房屋评估报告 (Appraisal)

需要注意的是:

* 任何转让费是不能作为购房价格的一部分而被包含在贷款申请采用的房屋价格金额之内的。(转让费是指原始买主向新买主收取的费用,也就是转让价与原始购买价之间的差额。)

* 如果需要购买违约保险,则需要提供保险公司的名字

如果希望依据转让价格的来贷款:

* 需要在开发商签字的同意书上标明开发商对该转让价格的认可

这个要求看起来简单,但在操作上并不容易。下面,举个例子来简单说明一下。

Tom & Mary夫妇 在20152月购买了位于Aurora 的镇屋,购买价格为55万元。房子计划于201611 月交房。今年5月份,由于工作变动,Tom一家需要搬去渥太华。由于工作调动是长期的,他们打算去渥太华买房,因此就需要把Aurora的镇屋转让。今年上半年大多地区房地产市场的强劲上扬,使得他们的镇屋购房合同得以于64.5万元的价格转让给了Mr. & Mrs. Smith

贷款银行要求提供开发商的同意书,但Mr. & Mrs. Smith提出的在同意书上写明转让价格的要求被开发商拒绝了。理由其实很简单,如果开发商同意转让价格,那么在交房日,转让价与原始价的差额该如何支付呢,是付给开发商,还是给原买主?如果加上这一条款,可能就不是出具同意书那么简单了。还需要律师出具正式的法律文件。最终Mr. & Mrs. Smith还是按照原价的80%贷了款,转让差价9.5万元直接支付给了Tom & Mary

所以在签署转让合同之前,最好能提前跟开发商确认,是否可以在同意书上写明转让价格。这样在您去银行贷款时,就不会因为只能按原价贷款而感到意外了。如果开发商同意转让价格,并愿意签署同意书,那么恭喜你,你的贷款将有可能(不同银行也许会有不同要求)依据转让价格来计算。


(本文仅代表个人观点)

如有问题欢迎随时致电Scotiabank房贷专家Kathy(王雷) 647- 291-7958,或加微信kathywl

分享博文至:

    603 条评论

  1. 1. instacart - 2017年8月27日 02:41

    This is the perfect blog for anyone who wants to understand this topic. You know a whole lot its almost hard to argue with you (not that I actually will need to…HaHa). You certainly put a brand new spin on a topic which has been written about for a long time. Great stuff, just excellent!

  2. 2. http://tinyurl.com/ybr55mmj - 2017年8月27日 03:38

    This is my first time visit at here and i am actually impressed to read all at single place.

  3. 3. instacart coupon 2017 - 2017年8月27日 15:50

    I love your blog.. very nice colors & theme. Did you create this website yourself or did you hire someone to do it for you? Plz answer back as I’m looking to create my own blog and would like to know where u got this from. appreciate it

  4. 4. tinyurl.com - 2017年8月27日 16:44

    Excellent post. I was checking continuously this blog and I’m impressed! Very helpful information particularly the final phase :) I deal with such information a lot. I was looking for this particular info for a long time.

    Thank you and best of luck.

  5. 5. http://tinyurl.com/y9af7rbw - 2017年8月27日 17:03

    Hiya! Quick question that’s entirely off topic. Do you know how to make your site mobile friendly? My website looks weird when viewing from my iphone4. I’m trying to find a theme or plugin that might be able to resolve this problem. If you have any recommendations, please share. Thank you!

  6. 6. publix delivery groceries - 2017年9月28日 15:24

    bookmarked!!, I love your site!

  7. 7. publix deli online ordering - 2017年9月29日 20:30

    If you want to increase your know-how only keep visiting this web site and be updated with the newest news posted here.

  8. 8. publix deli online ordering - 2017年9月30日 13:08

    If you are going for best contents like me, only visit this website all the time as it offers feature contents, thanks

  9. 9. instacart promo code - 2017年10月2日 04:45

    Hello, i read your blog occasionally and i own a similar one and i was just wondering if you get a lot of spam responses? If so how do you protect against it, any plugin or anything you can suggest?

    I get so much lately it’s driving me crazy so any assistance is very much appreciated.

  10. 10. tinder - 2017年10月6日 20:00

    I think that is one of the so much important info for me.

    And i am satisfied reading your article. However want to statement on some common things, The website taste is ideal, the articles is truly great : D. Excellent job, cheers

1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, … 61 » - 查看所有评论

发表评论