去年买房申请贷款,最后我们决定不买了,虽然是卖方的责任,但是考虑到他们的生活比较困难,人也善良,我们主动提出说就算我们退出,他们可以keep the earnest money ($1000). 然后银行贷款的人说我们要cancel the locck (interest rate?)会cost我们450刀。 以前没有听说过取消贷款还要罚钱的。 后来贷款的人说费用降到300刀。 重新看了一遍她去年的邮件,如下:
This is unfortunate this didn’t work out better but yes the loan estimate and the lock in agreement reference the fees associated with the loan will be paid. I will go ahead and issue a letter for you that will detail the breakdown of the costs.
Also - If you decide to obtain financing in the future, I will waive the processing and doc prep fees for you.
今年类似的情况,买房贷款,另外一家银行。一说需要取消贷款,很痛快,不要任何费用罚金。
大家申请房贷遇到过类似情况吗? 取消贷款还要付罚金?
谢谢各位。