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.

回复：No permits relation to appraisal
		来源: juzi3108 于 10-08-16 09:59:08 [档案] [博客] [旧帖] [转至博客] [给我悄悄话]

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

回答: 由 于 车库改房间，地下室装修成房间，加盖SUNROOM等等都需要先申请permit，然后建，然后county审查通过，如果不走这些程序，改建或是扩建就是illegal，illigal的房子银行不敢贷款。 每个州执行的宽松不同，有的发现就罚款，然后一定要求申请permit，有些州宽松，没有人管，但贷款做appraisal时（现在的情况下）一般都通过不了。最近我一朋友就遇到这样一个情况，贷款被拒了。 为什么要permit，是因为美国对于房间尤其是卧室有要求，怕不审批自行修建的危害居住人的健康，也是为安全考虑。