[转贴] 买房必读...

Wayne67

I’m often asked by people who like to prey on others how to buy real estate in a
falling market, like this one. The danger of doing so is that you buy before the
bottom arrives, and take a capital gains hit. The advantage is you hold absolutely all
3 m$ r5 {" z4 R  R! ithe cards, and can strike a great deal while the victim-seller is writhing in pain and
begging for mercy. That’s the fun part.

3 y" C+ g( k& i7 RSo, don’t ask me if it’s time to buy yet, because you won’t like the answer. But if
# z$ D; R  ~8 ?$ E, myou want some tips on being a vulture, for when the moment’s right, then clip this
' M8 R2 Q" W& B( B# u- v" Iand stick it on the fridge. (By the way, this is another preview of my coming book.)
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* Offer what you want to pay, not what the vendor is asking to be paid. With so many
. g! c/ T0 t/ {properties listed, and so little sales activity, every offer has to be taken
& u$ m; f7 E. b, O/ _seriously. Only by writing up an offer on your own terms, at your own price, will you
0 U# z2 i0 Q$ t: b- t0 {get a sign-back showing the true level of desperation you’re dealing with.

9 u# U$ {+ s! ?! e9 i3 K9 q* Always submit the offer with a deposit cheque, which is like putting a shiny lure on
2 z. _6 p* Q8 ]# m5 R" k6 Jthe end of your fishing line. However, the offer must stipulate the cheque is not
cashable until a firm and binding agreement is reached. So, it means nothing, while
having a powerful psychological impact.
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" d: \; X- [$ b* c* Throw in as many conditions as you want. This will create an offer that is
8 U, O0 t, I0 J' Qcompletely tailored to your needs and wants while providing elements you can remove in
6 c/ W6 B" p/ Corder to gain things you truly want. So, for example, make the offer conditional on
the vendors paying all your closing costs, including land transfer tax. While you
# b9 o8 k, l/ L2 r  b0 znever expect that to happen, you can remove it during negotiations in order to get
8 n* E0 P4 J3 A; \( [5 O  q! V! A3 {what you do want and expect, which is a bargain price.
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* Ditto for conditions giving you time to arrange financing or even to sell another
9 _# F6 C, K7 u6 C, o& Hproperty – they are both traditional deal-breakers, and the vendor’s agent will know
5 m+ K' U+ \3 B4 k6 bthat immediately. So, by reluctantly removing them you move far closer to getting that
# R: }& V5 c# e6 O5 p4 Aprice.

; z8 H3 O1 H3 k2 k- v& i* Best, however, to insist on a home inspection. This condition should give you five
* n+ o+ B2 P3 w$ Q8 k6 c( T- Dbusiness days to complete the process, and is normally done at the purchaser’s
) x. y' Y, k! V+ [% g& J6 vexpense. The reason you want this is because almost all properties need some kind of
) e. X# p- D" [work done in order to make them perfect, and when you get the inspector’s report you
8 ~8 j% V* w$ J+ w% V+ @have leverage to help you drive down the price. Simply get an estimate of the cost of
the repairs and ask for the deal to be rewritten with a price reduced by that amount.
0 }6 S+ ?  B& DSince the vendor knows the condition is entirely for your benefit and the deal will
9 |! P) c! H! t! t! \1 d! p& x9 Pdie unless you sign a waiver, well, guess what? Vulture.
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* And remember that the closing date is also an important poker chip to play. Have
6 U* T& t, M# D" f9 ^& iyour agent find out what the vendor wants, and then use that to help leverage the
price down. Additionally, you can throw any assets you see around the property into
8 R1 v" `8 A$ M1 {& ]) m7 n( Vyour offer – power tools, appliances, lawn tractor, Harley-Davidson, whatever. The
0 p* f% @- X5 n- A* j* M/ Xmore you put in, the more clutter there is for the vendor to wade through, and the
  B" u( ~0 b' J$ S2 q9 Hbetter chance you have of securing the best deal.
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/ h+ O7 R0 |, X" G: J* Speaking of which, why not make two offers at the same time on two competing
properties, and then let that fact be known (through your agent) to the vendor? That
& j$ }3 d' B0 D/ |$ E4 _% Uwill add even more pressure to the poor guy, as he tries to figure out what he must do
% |* w) I. {0 j3 @% r( Lto save the deal, and give you what you want. This may be cruel and unusual, but just
" N! y: y9 ^6 V$ C8 p1 Gconsider it payback for all those multiple-offer situations greedy vendors placed
5 D' B- |7 g9 hbuyers in during the bubble years.

* And, of course, you can make a low-ball offer, get a sign-back, and then just let it
. r0 v8 v- X  @) hdie. Wait a week and go back in with another one, for the same low price. Odds are you
will not get the same response this time. The stressed-out vendor may hate you, but
* ~6 z& }) e  D: Yhe’ll close.

冬腊梅

Solina

水手

irish

coooooool

买卖房子比的就是耐心，顶不住的肯定没戏。
; v/ D/ @) ], {9 O/ e真佩服小黄等同志，能经得住诱惑，如果不是老谋深算，就是以前受过刺激......