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[转贴] 买房必读...

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发表于 2008-11-29 10:10 | 显示全部楼层 |阅读模式
老杨团队,追求完美;客户至上,服务到位!
I’m often asked by people who like to prey on others how to buy real estate in a 0 O" X" G% J3 l5 X: g2 o1 g
falling market, like this one. The danger of doing so is that you buy before the , D; U6 ^! E+ s6 M0 d/ S- d/ Q
bottom arrives, and take a capital gains hit. The advantage is you hold absolutely all
/ e; X9 s* D0 Qthe cards, and can strike a great deal while the victim-seller is writhing in pain and 8 [' e+ s! R! T& I, `& j
begging for mercy. That’s the fun part.8 o$ a- q. _/ v. c4 V

( z5 X- V* R5 a3 hSo, don’t ask me if it’s time to buy yet, because you won’t like the answer. But if 2 V4 a7 T! L& y% Z
you want some tips on being a vulture, for when the moment’s right, then clip this
8 @+ A3 J" b- ?and stick it on the fridge. (By the way, this is another preview of my coming book.)7 b8 H3 O. s) j4 N: D' S

6 i0 z. m3 n  [$ g* Offer what you want to pay, not what the vendor is asking to be paid. With so many # @3 o2 i, Z9 {9 x9 T! ~7 o4 X
properties listed, and so little sales activity, every offer has to be taken 6 |# ^3 F8 J% U/ }  G
seriously. Only by writing up an offer on your own terms, at your own price, will you
$ [) i1 f7 ]' K3 P$ rget a sign-back showing the true level of desperation you’re dealing with.
2 @  }& \3 W: w- @6 w9 O
1 ~' H4 j) f# C. x, D* Always submit the offer with a deposit cheque, which is like putting a shiny lure on
! l* G' P! m+ }/ U! rthe end of your fishing line. However, the offer must stipulate the cheque is not
' J  i0 M( u8 U& M5 ~4 b* qcashable until a firm and binding agreement is reached. So, it means nothing, while " N# U( R6 H% l; W  V  o0 X
having a powerful psychological impact.
* @; z+ F. J- ~. a: k9 M8 }. l+ N: _& |! v# r5 y: A4 V
* Throw in as many conditions as you want. This will create an offer that is 4 C9 |( b/ P  H5 G3 }
completely tailored to your needs and wants while providing elements you can remove in
, U* Q* b4 i4 D; v' h2 X  D' qorder to gain things you truly want. So, for example, make the offer conditional on
4 D. |  L( U/ Q, Tthe vendors paying all your closing costs, including land transfer tax. While you 2 \  H1 U5 y* }* ^9 [
never expect that to happen, you can remove it during negotiations in order to get * y0 _: d% w0 N
what you do want and expect, which is a bargain price.
2 h  T( @) {* q2 h* Y8 @9 G4 o$ c8 g# G! k( l: J
* Ditto for conditions giving you time to arrange financing or even to sell another
8 K( z7 E- M0 \property – they are both traditional deal-breakers, and the vendor’s agent will know
$ [; I+ C" a# G, h+ n" lthat immediately. So, by reluctantly removing them you move far closer to getting that
, t. p0 m" Q/ wprice.5 N: q4 e# P1 y. T6 b; `% S1 ?
! I& [9 r2 ~% M% {" J
* Best, however, to insist on a home inspection. This condition should give you five 1 v! J* _0 y3 E# \/ j9 C
business days to complete the process, and is normally done at the purchaser’s
' M  M3 ~9 T( @, Y: l, b! w" p" Mexpense. The reason you want this is because almost all properties need some kind of 2 q  \) D! u1 q
work done in order to make them perfect, and when you get the inspector’s report you
  I1 z) O2 `: k2 r1 d* lhave leverage to help you drive down the price. Simply get an estimate of the cost of / l/ ?/ r3 Y7 s" M
the repairs and ask for the deal to be rewritten with a price reduced by that amount.
1 b& I9 I- ?" B9 ]5 pSince the vendor knows the condition is entirely for your benefit and the deal will
' J; v$ H6 P# J* A9 pdie unless you sign a waiver, well, guess what? Vulture.
( ]  P7 u) e2 f9 H. B( }
: _) o4 q" P1 J* And remember that the closing date is also an important poker chip to play. Have
6 Z0 T  @8 X+ f) U$ Q4 n- j7 Zyour agent find out what the vendor wants, and then use that to help leverage the
0 i/ E1 Z+ O2 l  B1 P) j/ Uprice down. Additionally, you can throw any assets you see around the property into
  I* V( s1 j$ _% Pyour offer – power tools, appliances, lawn tractor, Harley-Davidson, whatever. The
: N5 W" ~, l' R$ B3 j! z- @more you put in, the more clutter there is for the vendor to wade through, and the
# H9 \  ~( y& K1 x$ U+ hbetter chance you have of securing the best deal.
' |$ N2 B" [! |" t
# d0 m7 j+ F/ q; I0 g" a* Speaking of which, why not make two offers at the same time on two competing
0 q+ H0 t$ I$ j3 H% `properties, and then let that fact be known (through your agent) to the vendor? That
% ]9 b. A$ K9 m4 y2 _will add even more pressure to the poor guy, as he tries to figure out what he must do : E' y1 K+ {. D# D
to save the deal, and give you what you want. This may be cruel and unusual, but just
+ X0 U( w, [5 S$ ?% C* L) Fconsider it payback for all those multiple-offer situations greedy vendors placed
3 w1 {) p0 F! i  J& ^buyers in during the bubble years.
1 I+ k7 L" F' g; i6 F+ M6 ?
5 r# h4 k7 q! L2 u6 d* And, of course, you can make a low-ball offer, get a sign-back, and then just let it 3 n$ p. F. G9 a1 [9 F
die. Wait a week and go back in with another one, for the same low price. Odds are you . E6 ?4 t: Y- c$ E# F
will not get the same response this time. The stressed-out vendor may hate you, but + E8 r( [; U) J
he’ll close.
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发表于 2008-11-29 12:54 | 显示全部楼层
大型搬家
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发表于 2008-11-30 15:07 | 显示全部楼层
大型搬家
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发表于 2008-12-4 11:34 | 显示全部楼层
老杨团队 追求完美
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发表于 2008-12-4 12:54 | 显示全部楼层
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发表于 2008-12-19 20:40 | 显示全部楼层
买卖房子比的就是耐心,顶不住的肯定没戏。7 D. V$ \3 i. Y# ?, N
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......
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