收到mortgage offer了,是否还需要有EWS1才能成功贷到款项?

最近看到很多消息说所有公寓都需要有EWS1证书 银行才会给你批款,我最近收到Mortgage offer了,但从没有注意过EWS1的事情,请问这是否需要向卖方那边要这个证书?

这是Home buyer report上面提到的:The walls are built in concrete which has been clad externally with brick, cladding and render and lined internally with block work and this type of structure is known as a reinforced concrete frame. The walls are partly smooth rendered. The walls are partly clad. The external walls have been constructed with a clad system, with several concealed parts such as cavity barriers, fixings and insulation. We are aware that the wall system has been inspected on behalf of the building owner/factors in terms of fire safety and deemed to be of a low risk and we refer you to our comments in Section I.

It is understood that the External Wall System and any attachments (if applicable) for the subject block have been subject to a review from a suitably qualified independent professional adviser (e.g. a fire engineer or construction professional who is a member of a relevant professional body within the construction industry) and the block was found to be compliant.

Your legal adviser should confirm that the relevant documentation is satisfactory, that no outstanding works are required, and that no costs are to be incurred for any current / proposed / previous cladding-related works.

In considering the property’s value, surveyors, your mortgage lender (if applicable) and the mortgage lender’s appointed valuer (where applicable) may rely in good faith on the EWS1 form provided by a professionally qualified third party. The third party is however unlikely to accept liability to the lender, any valuer, or to you for any losses or potential losses arising from reliance upon the EWS1 form. Any concerns should be referred to your legal adviser.

看mortgage offer的条件上有没有,然后和律师确认一下,没有的话应该就不需要了

• THERE IS CLADDING AT THE PROPERTY. VALUATION IS BASED ON FORM EWS1 PREPARED FOR THE BUILDING OWNER/DEVELOPER. EWS1 SAYS THE CLADDING MEETS CERTAIN STANDARDS. YOU MUST GIVE THE CONVEYANCER A COPY OF THE VALUATION, THEY MUST GET A COPY OF EWS1.
• THE CONVEYANCER MUST EXPLAIN THE LEGAL LIMITATIONS OF EWS1. HALIFAX IS NOT RESPONSIBLE FOR THE CONTENT OF EWS1 OR ANY LOSSES IF IT IS INCORRECT. YOU HAVE NO LEGAL RIGHT TO CLAIM AGAINST HALIFAX, THE VALUER OR THE PERSON WHO PREPARED EWS1.

这个是offer的Special Conditions里提到的,我发给律师看了以后说是要的,但我问了surveyor,他说贷款下来了就说明lender已经知道公寓有有效的EWS1了,然后说他们的记录里我买的这个公寓的一整栋楼是有acceptable EWS1 form的。现在我也懵了,律师说先让卖方律师去跟managing agent要证明。

似乎是说这栋楼确实是有EWS1的,所以应该没问题了,你可以找卖方中介确认此事。

中介只说卖方会去问management company要,但没给我确认这楼是否确实有EWS1,还说卖家这个房子是inherited所以没有太多的纸质文件,现在只能等律师他们的消息了。

弱弱问一句,什么是SWS1?

想问只有 ground and first floor 的 公寓也要有这个证书么。没有的话将来会影响转卖么。

大部分银行都需要,但是halifax和Accord不需要。

ews1是政府要求的,大楼火灾以后外墙防火材料认证,没有不能买卖,银行不给贷款。非楼宇不一定要。

弱弱的一问,EWS1证书这是新的政策吗?我前年买房都没注意有这东西