No permits relation to appraisal

I got a reply from listing agent in CA "The home is zoned R1 but currently set up as a duplex with 2 full kitchens. There may be a garage conversion with no permits, can not verify with the county. Please talk with your lender to see if this is an lender/appraisal issue."
Can somebody knows about the relation between no permit with the lender/appraisal explain some? I don't want send an appraisal and then found out they won't be suitable for lending.

回複：No permits relation to appraisal
		來源: juzi3108 於 10-08-16 09:59:08 [檔案] [博客] [舊帖] [轉至博客] [給我悄悄話]

• 金橋貸款 20 Yr 4.5%(<=417k) No Closing Cost Email: [e-mail] or call Eric @650-483-9278

回答: 由 於 車庫改房間，地下室裝修成房間，加蓋SUNROOM等等都需要先申請permit，然後建，然後county審查通過，如果不走這些程序，改建或是擴建就是illegal，illigal的房子銀行不敢貸款。 每個州執行的寬鬆不同，有的發現就罰款，然後一定要求申請permit，有些州寬鬆，沒有人管，但貸款做appraisal時（現在的情況下）一般都通過不了。最近我一朋友就遇到這樣一個情況，貸款被拒了。 為什麽要permit，是因為美國對於房間尤其是臥室有要求，怕不審批自行修建的危害居住人的健康，也是為安全考慮。