我想问一下怎么样可以解除买房合约

heyyo

我签了个房子，PLASTER的，担心漏水就不想要了。

我加了FINANCE的条件，现在律师让我向银行要没有批准贷款的信。 可是我之前在我的两个开户银行都做了PRE-APPROVAL了，应该怎么办？

sophianz

如果你没交定金就没事，不用理他。 交了定金就比较麻烦。因为卖家有权利让他的律师发信给你的律师让你提供银行贷款没批的信。否则，人家怎么判断你的银行真批了还是假批了。1) 可以找其他银行，告诉他没收入或是收入很低，哪个银行还敢批你，只好给你出封信不批。 2) finance condition 怎么签的。sufficient to purchase还是70%，80%。如果是sufficient to purchase，相对好办。银行是批你了，但是额度不够。example: 50万的房子，银行预批信40万，你可以说你想贷45万，但是没贷到，所以no sufficient fund to purchase.

希望能帮到你。

heyyo

2# sophianz

是SUFFICIENT TO PURCHASE,  我们也没有交定金。

为了保险起见，我们还是打算找个银行重新申请贷款，银行会拒绝给你出贷款不批的信吗？

谢谢！

xiaolu

沙发说的是正解。下次建议你放一个这个条款：

This agreement is entirely conditional upon the Purchaser in its sole discretion being satisfied that the property is suitable for the Purchaser’s intended uses following the Purchaser carrying out due diligence investigations on the overall viability of the property and including but not limited to searching any and all easements, and of any requirements of the local authority or financier, this clause is for the sole benefit of the Purchaser and the Purchaser shall have until 4pm on 10th working day from the date of this contract to give to the Vendor’s solicitor notice that this clause is satisfied failing which the contract shall be at an end.

xiaolu

另外最简单的办法就是你说你的首期只有100块，银行不愿意给你贷99.9%那么高，买不了，真是不好意思。

cwj

lujingnan

2# sophianz  

是SUFFICIENT TO PURCHASE,  我们也没有交定金。

为了保险起见，我们还是打算找个银行重新申请贷款，银行会拒绝给你出贷款不批的信吗？

谢谢！
heyyo 发表于 2010-3-31 18:57

It will depend on the person who did the loan for you. They can issue a letter saying that you can not be approved the loan, but if they do not want to do it, they can refuse as well.