[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
# C5 e. h" t5 }; \: `bottom arrives, and take a capital gains hit. The advantage is you hold absolutely all
the cards, and can strike a great deal while the victim-seller is writhing in pain and
. f. b- I5 r& U0 N- pbegging for mercy. That’s the fun part.
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So, don’t ask me if it’s time to buy yet, because you won’t like the answer. But if
2 X2 M  V) Q3 c  B: i# U9 Oyou want some tips on being a vulture, for when the moment’s right, then clip this
and stick it on the fridge. (By the way, this is another preview of my coming book.)

* Offer what you want to pay, not what the vendor is asking to be paid. With so many
/ \9 M3 `2 ^/ C1 {# ^properties listed, and so little sales activity, every offer has to be taken
' n% r$ B. c$ @' y" \2 P! q7 C- u5 vseriously. Only by writing up an offer on your own terms, at your own price, will you
9 C1 ^' S, D* z) |5 [1 {, Z9 Iget a sign-back showing the true level of desperation you’re dealing with.
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* Always submit the offer with a deposit cheque, which is like putting a shiny lure on
the 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
; m& n2 @, g/ }3 k, W2 Bhaving a powerful psychological impact.

: M% h+ e# x1 w  b* b9 b* Throw in as many conditions as you want. This will create an offer that is
completely tailored to your needs and wants while providing elements you can remove in
) W& [% {+ `: T+ jorder 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
2 l& Q! ?, w: f* c$ X) w7 _never expect that to happen, you can remove it during negotiations in order to get
what you do want and expect, which is a bargain price.
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+ I" i8 }/ q; q& @0 V* g* Ditto for conditions giving you time to arrange financing or even to sell another
, x4 M% Z9 s# p  F* z. h+ F7 K& ~property – they are both traditional deal-breakers, and the vendor’s agent will know
that immediately. So, by reluctantly removing them you move far closer to getting that
( Y; L2 n/ ~2 Q9 vprice.
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* Best, however, to insist on a home inspection. This condition should give you five
: k& Y: f# T" C0 B/ R, s" Jbusiness days to complete the process, and is normally done at the purchaser’s
% q. v. Z0 x# ?' V& pexpense. The reason you want this is because almost all properties need some kind of
work done in order to make them perfect, and when you get the inspector’s report you
( T; e( J, L/ k+ c! S2 A, L# qhave leverage to help you drive down the price. Simply get an estimate of the cost of
& T! A7 y1 h2 u2 b9 t2 `the repairs and ask for the deal to be rewritten with a price reduced by that amount.
Since the vendor knows the condition is entirely for your benefit and the deal will
die unless you sign a waiver, well, guess what? Vulture.
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2 s3 g$ w# D2 ?2 S. z* And remember that the closing date is also an important poker chip to play. Have
2 g% J2 F" E( f! J2 ?7 }- Dyour agent find out what the vendor wants, and then use that to help leverage the
) Q. z( t7 |! F0 Eprice down. Additionally, you can throw any assets you see around the property into
your offer – power tools, appliances, lawn tractor, Harley-Davidson, whatever. The
more you put in, the more clutter there is for the vendor to wade through, and the
better chance you have of securing the best deal.
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* Speaking of which, why not make two offers at the same time on two competing
/ M2 Z% p+ t' D' Fproperties, and then let that fact be known (through your agent) to the vendor? That
; ]( M& f: k! D& h+ b9 e1 S' ?will add even more pressure to the poor guy, as he tries to figure out what he must do
6 P0 Q( W4 V7 r; Jto save the deal, and give you what you want. This may be cruel and unusual, but just
2 n1 H5 L- T3 U; K7 U5 zconsider it payback for all those multiple-offer situations greedy vendors placed
buyers in during the bubble years.

* And, of course, you can make a low-ball offer, get a sign-back, and then just let it
die. Wait a week and go back in with another one, for the same low price. Odds are you
2 A; L1 k; F3 {) K& Nwill not get the same response this time. The stressed-out vendor may hate you, but
he’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。
3 U4 R8 h' Z$ [- W4 y! M+ v7 f  o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......