家检查崩溃

必须解决的问题

2021年3月17日由SaleCore出版

Closing on a new home can be very exciting, but sometimes you encounter inspection debacles that can break the deal. 作为一个卖家, inspection surprises can catch you off-guard forcing you to spend thousands before you can close. As a buyer, these surprises may prevent you from signing off on the home of your dreams. So, 你们可以想象, the home inspection is one of the bigger points of contention in a real estate deal. With so much up for negotiation, the home inspection raises many questions. 例如,什么是强制维修? 而且,谁必须支付这些维修费用?


什么是强制维修?

bwin官方网 inspector wearing mask, hard-hat and safety vest, writing a note on a clipboard

Legally, there is no such thing as a “mandatory” 修复 after a home inspection. Some states have an “as-is” contract that releases the seller from any responsibility to make 维修. The buyer accepts the property in its current condition, but has the right to walk away from the deal if too many issues turn up.

However, requirements that do need to be met by home sellers are largely dependent on three factors:

  • 购买协议: Standard purchase agreements generally contain a home inspection contingency that allows the homebuyer to back out of the deal should the inspection turn 任何重大问题.
  • 银行要求: 一些银行, particularly those that offer government loans, only approve mortgages on homes that meet their standards for safety, 宜居性, 并授权 that certain issues be addressed before closing. These lenders will have an appraiser inspect the property and appraise the value of the home before a deal can be made.
  • 地方性法规: Some areas of the country have particular items that the seller of a home is responsible for before a sale can take place. 例如,如果一个房屋检查员 finds home improvements the seller made not to code or without securing a permit, the local building official will hold the seller liable. They will require the seller to bring the improvements up to code and pay increased permitting fees.
Close-up of a document titled bwin官方网 Inspection Checklist with a pen and two keys on top

Inspections can turn up an array of concerns, from very minor cosmetic issues to more severe issues that prevent the home from being inhabitable. 话虽如此,回家吧 inspectors will qualify anything structurally or mechanically deficient, 不安全的, 不正常运作, or not in accordance with a state’s standards. These need to be made top priority, and 可能包括:

  • 结构: Major structural hazards or against building code violations.
  • 基础: 潮湿或潮湿的爬行空间, 门窗缝隙不均匀, 倾斜的地板, and cracked concrete are indications that a home’s foundation is in need of 修复.
  • 害虫: When looking through the home for any pests (bugs, small rodents, etc.), the biggest issue to keep an eye out for is termite damage.
  • 水: 地下室的积水, 天花板上有水渍, 水压差或漏水, and drainage issues could indicate bigger problems.
  • 错误的电: House fires are often caused by faulty electrical wiring.
  • 模具: Mold usually indicates larger problems and need to be addressed quickly. Mold can also be a major health hazard, especially black 模具, and may lead to asthma or 其他严重的健康问题.
  • 腐烂: 在框架或木制甲板周围腐烂, 窗户, or doors is also usually indicative of larger problems.
  • 屋顶: Roofing problems aren’t always cause for alarm, but when a home inspector sees structural damage, 模具, 或闪烁的损害, 屋顶总体情况很严重 需要修复.
  • 有毒或化学危害: These may include a positive asbestos or radon test, a sure sign that your home has a significant indoor air pollution problem, 或碳 monoxide leaks from appliances, such as water heaters or furnaces.

谁来支付维修费用?

Concept image of two interlocked cogs, one stamped with 修复 and the other costs

如果出现任何这些问题, 这些问题需要立即解决, but who bears the responsibility to pay for them? 从技术上讲,所有的维修都可以协商. 作为卖方, you are not obligated to pay for anything, but you should disclose all known issues in good faith and work with the buyer. If you don’t, you will be at risk of losing the sale. 一些选项可能是:

  • 修理: If the 修复 requests are reasonable and you can afford to complete them, this is usually the best course of action. 如果交易失败,你会 be required to disclose the findings of the report when you re-list your home, and you could risk scaring off a future buyer.
  • 给信用: The sellers can negotiate to lower the purchase price to account for the cost of 维修 or a cash allowance. 这样的话,房主就不必这么做了 manage the 维修, but still absorbs some of the cost. 一些买家也喜欢这个选择, as it allows them the freedom to pick their own contractors and make sure the work is done correctly.
  • 提供家庭保修: Purchasing a one-year home warranty for the buyer can be a nice option too. It will only cost you a few hundred dollars, and it gives the buyer peace of mind in case any issues come up in the first year after closing. This is especially appealing for inspection findings that aren’t necessarily failing items, 但是老化系统 will need to be replaced within the next few years.
  • 物物交换: You can always offer to barter with other items, like furniture that wasn’t originally included but the buyer might want, 或者是你没有计划的设备 上留下.
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