Займ без отказа что это?

займы без отказа называют экспресс-кредиты от микрофинансовых организаций (МФО). Эти организации предъявляют достаточно простые требования к заемщику и одобряют практически каждую заявку, так как выдают небольшие суммы на короткий срок на карту, или наличными. Помимо лояльности к заемщику, экспресс-кредиты отличаются быстротой одобрения. Благодаря автоматической системе, которая обрабатывает заявку, решение принимается в течение 5-15 минут. Вся процедура происходит в онлайн режиме, сервисы работают круглосуточно, а деньги перечисляются на карту. Но необходимо учесть, что круглосуточные экспресс-займы – это один из самых рисковых видов кредитования для финансовых учреждений, поэтому процентная ставка здесь ощутимо выше, чем у традиционных банков и начисляется за каждый день пользования средствами. В целом, учитывая короткие сроки таких кредитов, переплата не ощутима, но, если вы не вернете долг вовремя, будет начисляться высокая пеня за просрочку.

LowAppraisalValueFrom the time the home is purchased to the time your new construction home is ready can vary from few months to a year. Between the process, the home buyer will go through several appointments including structural option section to designer center. The options are added to your final sales price. Most builders require you to secure your loan 45 days prior to the closing date. During that period just like a traditional home sale purchase the lender will order appraiser.

What happens if your new home construction valuation/ appraisal is lower than your final sales price?

Can you get your security deposit back? 

OR 
Can you back out of the contract?


Well, if you are buying a home in the Northern Virginia area of Arlington, Alexandria, Fairfax, Prince William or Loudoun county our builders have a form or a paragraph in their contract that states that the builder is not going to renegotiate the contract terms in an event the appraisal is low.

The reason builder has a waiver on their contract terms is we had a situation where the buyers would upgrade the home to the value that the builder cannot support. So for example, you upgraded kitchen package to level 4, all flooring to the top of the line and so one. The builder is not responsible if you want high-level upgrades while most home buyers in that subdivision are purchasing a balance of upgrades.

To avoid a situation like these Northern Virginia home builders do monitor your spending habit. They know how much you are spending/upgrading compared to your initial loan application qualification value. If they sense you are going over your qualification or neighborhood valuation they will stop you before it is too late.

If you are working with builder’s lender the low appraisal valuation will be unlikely or rarely an issue. Since the lender and the appraisal company have an experience and know the neighborhood valuation.

The biggest challenge is when the purchaser of a home is using outside lender and they have 3rd party appraiser coming to appraise your home. Especially, when we have appraiser from another county or nearby state who have no clue about the area. 

Again, going back to what can you do as a consumer if the appraisal valuation is low? You can try re-negotiating with the builder or if your loan is denied and you are contingent on securing a mortgage you can leverage that as a renegotiating tool. Last but not the least if you are not able to re-negotiate you will either have to forgo your deposit and/or bring the difference to the table since your lender cannot loan you above appraisal value.

You can try re-negotiating with the builder or if your loan is denied and you are contingent on securing a mortgage you can leverage that as a renegotiating tool. Last but not the least if you are not able to re-negotiate you will either have to forgo your deposit and/or bring the difference to the table since your lender cannot loan you above appraisal value. The builder’s deposit is non-refundable.

Working with a new construction real estate specialist can help you when faced with challenges like these. 


MLS home search in Northern Virginia area

By | 2017-09-11T11:30:03-04:00 May 28th, 2016|Tips for Buyers, Tips for Sellers, Virginia Real Esate Blog|0 Comments