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[av_heading heading=’置业报价中的财务约束条款(Subject to finance)’ tag=’h1′ style=’blockquote modern-quote modern-centered’ subheading_active=’subheading_below’ show_icon=” icon=’ue800′ font=” size=’6vw’ av-medium-font-size-title=” av-small-font-size-title=” av-mini-font-size-title=” subheading_size=’20’ av-medium-font-size=” av-small-font-size=” av-mini-font-size=” icon_size=” av-medium-font-size-1=” av-small-font-size-1=” av-mini-font-size-1=” color=’custom-color-heading’ custom_font=’#000000′ icon_color=” margin=’0′ margin_sync=’true’ padding=’0′ icon_padding=’10’ link=’manually,http://’ link_target=” id=” custom_class=” template_class=” av_uid=’av-kmlnu0cr’ sc_version=’1.0′ admin_preview_bg=’rgb(34, 34, 34)’][/av_heading]

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[av_heading heading=’什么是财务约束条款’ tag=’h1′ style=” subheading_active=” show_icon=” icon=’ue800′ font=” size=” av-medium-font-size-title=” av-small-font-size-title=” av-mini-font-size-title=” subheading_size=’15’ av-medium-font-size=” av-small-font-size=” av-mini-font-size=” icon_size=” av-medium-font-size-1=” av-small-font-size-1=” av-mini-font-size-1=” color=” custom_font=” icon_color=” margin=” margin_sync=’true’ padding=’10’ icon_padding=’10’ link=’manually,http://’ link_target=” id=” custom_class=” template_class=” av_uid=’av-kmlnuc4m’ sc_version=’1.0′ admin_preview_bg=”][/av_heading]

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财务约束条款是指报价中附带有一个条件,这意味着如果买方能够获得融资,则物业购置的交易才能继续进行。

大多数购买者在购置物业时还会使用其他常见约束条件,包括接受建筑物和病虫害检查或获得令人满意的估价等。这些是在一定程度上保护买家的措施,这些措施一般被认为是基本的,不太会影响您的报价优势。

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[av_heading heading=’财务约束条款如何运作?’ tag=’h1′ style=” subheading_active=” show_icon=” icon=’ue800′ font=” size=” av-medium-font-size-title=” av-small-font-size-title=” av-mini-font-size-title=” subheading_size=’15’ av-medium-font-size=” av-small-font-size=” av-mini-font-size=” icon_size=” av-medium-font-size-1=” av-small-font-size-1=” av-mini-font-size-1=” color=” custom_font=” icon_color=” margin=” margin_sync=’true’ padding=’10’ icon_padding=’10’ link=’manually,http://’ link_target=” id=” custom_class=” template_class=” av_uid=’av-kmlnuuny’ sc_version=’1.0′ admin_preview_bg=”][/av_heading]

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在提出报价之前,最好先与贷款经纪人交流。

在实际操作中您还可以进一步操作,预先获得贷款机构的贷款预批准。这不仅使您有信心可以获得融资进行置业,而且还可以清楚地表明您可以实际支出的金额-包括所有购置成本。

预批准还可以使您的报价更有优势,因为在卖方代理眼中您在最终交易时更有可能支付全部费用。

需要重点明确的是预批准不是贷款。您还是需要提供附有财务约束条款的报价,同时也需要获得满意的银行估值。

每个州在报价和接受报价过程中采用的程序略有不同,其中一些主要集中在拍卖而非私人协议销售上。有些州还有冷静期。

如果您提出了一项受财务约束的报价,而您又没有足够的时间来保证完成融资,则需要请您的律师以书面形式通知销售代理以获取延期。如果您不这样做,则您可能会损失定金。

可以说,金融是房地产购买过程中最重要的部分,因为没有它,您将无法进行下一步。

有条理地规划并得到预批准,将使您在购置心仪物业时处于最有利的位置,并确保交易顺利进行。

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免责声明:本文所涉及的事实信息仅供参考,信息不能用于购买投资相关产品及服务、金融产品或替代专业会计、税务、法律或其他专业咨询者提供的咨询意见。在作出决定或采取行动前,您应咨询海嘉会计师事务所专业金融或税务服务人士。尽管我们尽力保证信息来源可靠性以及编译的准确性,但海嘉会计师事务所不对任何信息出现差错或遗漏,以及因使用该信息而获得的结果承担法律责任。

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