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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 / n# C1 i( I* z' Z( g
falling market, like this one. The danger of doing so is that you buy before the ) V& Y- i: V3 \" t8 M3 e& E+ n! v
bottom arrives, and take a capital gains hit. The advantage is you hold absolutely all , ~; Q4 Y- J) E1 Y2 {
the cards, and can strike a great deal while the victim-seller is writhing in pain and % z0 A: o, r# ~- y% W' U* }
begging for mercy. That’s the fun part.
& k$ k' E# G' z& O0 U+ g4 Q8 x2 J/ T9 [# x# d( D
So, don’t ask me if it’s time to buy yet, because you won’t like the answer. But if
5 ]/ m( R! _9 k& O$ J, `9 Q; d5 fyou want some tips on being a vulture, for when the moment’s right, then clip this ) H7 P4 K! E( z- i) |0 x2 z
and stick it on the fridge. (By the way, this is another preview of my coming book.)  V# c; `- [) S, V5 q( p
$ J  _1 w. m* H$ E
* Offer what you want to pay, not what the vendor is asking to be paid. With so many : r1 m, _5 m7 z/ |6 H# o0 ?/ A7 ^
properties listed, and so little sales activity, every offer has to be taken ( C1 @% d8 }- w/ N$ R, s
seriously. Only by writing up an offer on your own terms, at your own price, will you
0 T: v: \5 O0 t: J  g7 _get a sign-back showing the true level of desperation you’re dealing with.3 E+ d# p0 z) p$ e

( b5 s! E; ^* v& f( Z. n- S  R* Always submit the offer with a deposit cheque, which is like putting a shiny lure on
- k+ g+ |* u6 |8 Z! ^' U: e( U# qthe end of your fishing line. However, the offer must stipulate the cheque is not
9 U" A5 w& B3 u. v1 ?% e$ a. kcashable until a firm and binding agreement is reached. So, it means nothing, while : i9 O; }1 c. E2 I
having a powerful psychological impact.% {$ I' `9 T; ?- F' ?6 q

/ K+ ~5 M* j/ g3 K* Throw in as many conditions as you want. This will create an offer that is . I) b5 `- n9 k- \! l& C
completely tailored to your needs and wants while providing elements you can remove in
" i8 M/ f+ `$ v+ H( p0 _2 ?order to gain things you truly want. So, for example, make the offer conditional on " h! e7 V# }3 |# {
the vendors paying all your closing costs, including land transfer tax. While you
8 @2 l) R: N, mnever expect that to happen, you can remove it during negotiations in order to get
( B& s/ H& {/ ~( |9 J8 r* e  R' m7 K8 L$ Iwhat you do want and expect, which is a bargain price.
0 `+ }/ p' S: a& F
" M2 z6 j4 h2 F7 ^1 A- M: K* Ditto for conditions giving you time to arrange financing or even to sell another + a" N) }. ~3 a
property – they are both traditional deal-breakers, and the vendor’s agent will know
8 l. h" l5 G, ^3 c5 Q/ pthat immediately. So, by reluctantly removing them you move far closer to getting that
3 K) v4 N. V! w% y+ fprice.
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* Best, however, to insist on a home inspection. This condition should give you five % Y+ p) x6 d" z. x/ T0 O1 O
business days to complete the process, and is normally done at the purchaser’s / @! k& `! y' y+ ^7 Z) g+ b
expense. The reason you want this is because almost all properties need some kind of
3 F2 g6 u. K" T- a9 V9 V( q6 Hwork done in order to make them perfect, and when you get the inspector’s report you   ?0 c$ w& q  u) K
have leverage to help you drive down the price. Simply get an estimate of the cost of 9 [8 s# P  C1 ?: C- O
the repairs and ask for the deal to be rewritten with a price reduced by that amount.
. D; N/ R/ e  k  j6 S( W9 K3 `Since the vendor knows the condition is entirely for your benefit and the deal will : d; g3 j/ _4 e8 o2 Y! Z0 H  O
die unless you sign a waiver, well, guess what? Vulture.0 G/ S' K! W: g$ Z* b
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* And remember that the closing date is also an important poker chip to play. Have # F  i6 S, b9 P$ c* e: [  ~9 i
your agent find out what the vendor wants, and then use that to help leverage the ; z- x0 n- q  `. F6 r2 U
price down. Additionally, you can throw any assets you see around the property into 2 `# C4 |4 E/ \, ^
your offer – power tools, appliances, lawn tractor, Harley-Davidson, whatever. The # v1 U7 i, ]5 D/ k7 E; o$ V
more you put in, the more clutter there is for the vendor to wade through, and the
( u+ u; I3 I* z) ^0 U, j9 }6 e& ~* ebetter 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
! {. N9 h- M0 o. Q1 A& {0 mproperties, and then let that fact be known (through your agent) to the vendor? That
8 [- k' }4 k; a7 [; awill add even more pressure to the poor guy, as he tries to figure out what he must do
# i7 g; N/ |6 {  p+ Rto save the deal, and give you what you want. This may be cruel and unusual, but just
0 r9 K% q0 {$ D7 z4 o4 ~consider it payback for all those multiple-offer situations greedy vendors placed
) v3 ?8 c# {. @  d$ _6 Xbuyers in during the bubble years.1 w' F) S: S9 w9 [

  k1 K  o) K! s2 N0 N. W! X1 R* And, of course, you can make a low-ball offer, get a sign-back, and then just let it " v: Z' v( M" z: g0 z/ y
die. Wait a week and go back in with another one, for the same low price. Odds are you
3 s$ x% S3 N; I2 M* Rwill not get the same response this time. The stressed-out vendor may hate you, but
# R4 j6 A" g& C3 F1 F: g3 Che’ll close.
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发表于 2008-11-29 12:54 | 显示全部楼层
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发表于 2008-11-30 15:07 | 显示全部楼层
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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
理袁律师事务所
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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。( ~* h+ u% P6 h5 n* O) S
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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