What Happens When the Appraisal Value vs Market Value Differ?

银行appraisal下来了，说我卖房33万，不值那价。

他说：31.5万是他的估价值。

问题来了，这1万5的差价，agent说：买家和卖家各让一半！

agent说的轻松，买家卖家都不愿多付8000元啊！又不是agent出钱！

这桩买卖，也许黄了，如果，不通过，买家借不到如期的贷款。。。。。。。。

你可有经验，来处理这个appraisal的问题？

 

 

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.