What Happens When the Appraisal Value vs Market Value Differ?

銀行appraisal下來了，說我賣房33萬，不值那價。

他說：31.5萬是他的估價值。

問題來了，這1萬5的差價，agent說：買家和賣家各讓一半！

agent說的輕鬆，買家賣家都不願多付8000元啊！又不是agent出錢！

這樁買賣，也許黃了，如果，不通過，買家借不到如期的貸款。。。。。。。。

你可有經驗，來處理這個appraisal的問題？

 

 

When these values don’t align, the scenarios that can occur are:

• Seller’s Advantage: If the appraised value is higher, it benefits the seller. Given that they can potentially list the property at a higher price, to maximize profit.
• Buyer’s Advantage: Surely, a lower appraised value can work in favor of the buyer. It allows them to negotiate a lower purchase price.
• Loan Amount Difference: Lenders usually base loans on the appraised value. If it’s lower than the agreed sale price, the buyer may need to cover the difference or renegotiate terms.
• Renegotiation: In cases of major misconceptions, buyers and sellers may renegotiate the sale price. They can find a middle ground, or, in extreme cases, cancel the deal.