Mar 25th, 2012, 00:02 | #1 |
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When we apply for a mortgage from the Bank, we have to sign a legal document called mortgage committment. There is a Standard Charge Term in your charge/mortgage, (you can check it). In the Standard Charge Term, you are required to keep your condo fees, realty taxes and property insurance current. If either of them is in default, they will inform your Bank. The Bank has to bring them current as they all take priority to the Bank's mortgage. The Bank has to pay it in order to avoid the Condo to register a lien on your Property, Also in the Standard charge term, you agreed to pay all the legal fees occured from it. Condo did not know your current address. According to law, they are only responsible to send letter to the address you provide to them. Frankly speaking, you should have advised Condo the change of your address.
此帖于 Mar 25th, 2012 00:56 被 成事在天 编辑。 |
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Mar 25th, 2012, 00:16 | #2 | |
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Condo 只有义务给你留给他们的地址发信。 还有一个问题, 你当时贷款时, 有没有向银行保证房子是自住, 而不用来出租的, 如果有, 银行有权向你追缴全部贷款, 由此产生的所有法律费用, 也要由你全部承担。 红姐, 买个教训吧, 找什么律师都没有用的。只是白浪费钱。 我的话可能会让你失望, 可这是事实。 此帖于 Mar 25th, 2012 01:00 被 成事在天 编辑。 |
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红姐 (Mar 25th, 2012) |
Mar 25th, 2012, 08:39 | #4 |
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Mar 25th, 2012, 08:48 | #5 |
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Mar 25th, 2012, 09:00 | #6 | |
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Are you sure the Bank paid your condo fees & legal fees/disbursement from your mortgage principles? or from "多余10000刀钱"? As far as I know, they Bank will not pay other arrears from mortgage principle. |
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Mar 25th, 2012, 09:21 | #8 |
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Mar 25th, 2012, 13:21 | #9 |
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Mar 25th, 2012, 15:28 | #11 | |
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2. Does the Bank know and allow you rent out the Condo? It yes, it is fine to go ahead; if not, the Bank can sue you further for it. It is called "breach of covenant" in law. Then my recommendition is "that is it". |
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Mar 25th, 2012, 15:31 | #12 | |
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Check to see if Bank has paid the penalty for you. If yes, then there is nothing you can do with Condo. If the Bank has not paid it, then let the Bank know immediately you will pay Condo directly and then try it with Condo. |
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Mar 25th, 2012, 15:37 | #13 | |
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但是强调一点, 你可以做以上的条件是,银行知道并允许你把房子出租。 |
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红姐 (Mar 25th, 2012) |
Mar 25th, 2012, 15:42 | #14 |
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Mar 25th, 2012, 15:47 | #15 |
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"另外我还真不知道他们是按什么利息收的我的延期,因为这个8000元是这个月才加到我的房贷上的。" You can ask them to provide you with total breakdown of all the $8000. |
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Mar 25th, 2012, 16:29 | #16 |
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Great! now you may want to go ahead to do the followings: 1. Ask Condo for evidence that they informed you of this matter, that is, all the copies of letters they sent to you. Check if they were sent by registered mail; 2. See if Bank has paid all the penalties for you; if not, then tell them you will pay it directly to the Condo, to avoid the Bank charge you administration fee for paying that for you; 3. Ask for the breakdown of $8,000.00 Good luck! 此帖于 Mar 25th, 2012 16:50 被 成事在天 编辑。 |
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Mar 25th, 2012, 18:10 | #17 | |
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okay, it is no harm to have a try... If they ask you to contact their solicitor/lawyer, ask them the contact info. and call the law firm to request copies of all the notices they sent to you, no matter what address they sent out. Find out if you have to deal with Condo's lawyer? I double it will be the Bank's lawyer. Take care and good luck! |
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红姐 (Mar 26th, 2012) |
Mar 25th, 2012, 22:15 | #18 |
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Mar 26th, 2012, 18:21 | #19 | |
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If so, you are fine since they got paid. Nothing to be worried, then. |
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红姐 (Mar 26th, 2012) |