[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
0 e" y7 ^( P/ S. ]7 Rthe cards, and can strike a great deal while the victim-seller is writhing in pain and
% {8 K  W" h+ B, G0 B2 w3 h. zbegging for mercy. That’s the fun part.
9 s$ i+ `) s% m- C/ S% K+ F
$ |/ ~! W: F$ r4 ZSo, don’t ask me if it’s time to buy yet, because you won’t like the answer. But if
you want some tips on being a vulture, for when the moment’s right, then clip this
" R% X5 H( ]$ V5 r0 |and stick it on the fridge. (By the way, this is another preview of my coming book.)

8 r1 }8 s1 H/ s* Offer what you want to pay, not what the vendor is asking to be paid. With so many
properties listed, and so little sales activity, every offer has to be taken
seriously. Only by writing up an offer on your own terms, at your own price, will you
+ n( F1 n0 @+ [3 W9 k, uget a sign-back showing the true level of desperation you’re dealing with.
  V& g( |2 V* K  f
- s) f8 E. y  A5 A. q3 r* Always submit the offer with a deposit cheque, which is like putting a shiny lure on
- z1 o+ X) g" X' Z% h5 Ythe end of your fishing line. However, the offer must stipulate the cheque is not
* W7 s1 w& n( \$ bcashable until a firm and binding agreement is reached. So, it means nothing, while
2 ]$ ^, I# v/ Ihaving a powerful psychological impact.

* 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
; K% q! h% ]. q' T7 P+ J' Eorder 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
never expect that to happen, you can remove it during negotiations in order to get
" g: [8 [! Q% T0 T! N, xwhat you do want and expect, which is a bargain price.

8 d& p: l, Y) l: V* Ditto for conditions giving you time to arrange financing or even to sell another
property – they are both traditional deal-breakers, and the vendor’s agent will know
' R& b, `$ L  o/ F) s; L3 S1 Zthat immediately. So, by reluctantly removing them you move far closer to getting that
" L) c* P2 e7 n8 K1 l7 D% [! b/ ]price.
( P* g- v2 v  I9 H- j% J2 r- G
* Best, however, to insist on a home inspection. This condition should give you five
business days to complete the process, and is normally done at the purchaser’s
( [" k) p; t$ n+ U* w, J" X- ]expense. The reason you want this is because almost all properties need some kind of
! f% l3 k) k; Zwork done in order to make them perfect, and when you get the inspector’s report you
" w( G. I. ~2 E& v3 ?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.
Since the vendor knows the condition is entirely for your benefit and the deal will
+ {, L5 }) c5 ?5 ]9 pdie unless you sign a waiver, well, guess what? Vulture.

* And remember that the closing date is also an important poker chip to play. Have
$ A: ~9 }4 W, V- I4 r! S* G+ A% vyour 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
. l4 b7 {2 D# uyour offer – power tools, appliances, lawn tractor, Harley-Davidson, whatever. The
. ~# \( A( g$ V" {, dmore you put in, the more clutter there is for the vendor to wade through, and the
3 @& s* r' J; S5 H# V% Dbetter chance you have of securing the best deal.
/ W+ _/ a7 I  x0 G: t! i' g4 i/ }$ F
% R! d: n" a: q: L3 U5 F- R* 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
' S" B1 l% ~; ?1 N/ w" hwill add even more pressure to the poor guy, as he tries to figure out what he must do
3 N1 V" T; {+ {) B2 yto save the deal, and give you what you want. This may be cruel and unusual, but just
' ^" q! ~' v0 s6 d$ Aconsider it payback for all those multiple-offer situations greedy vendors placed
* E  |" ]; j8 |, s$ o" e# ]buyers in during the bubble years.

6 m! |& X- N. I* I! W3 M* And, of course, you can make a low-ball offer, get a sign-back, and then just let it
3 f% `+ S8 l& |, p- fdie. Wait a week and go back in with another one, for the same low price. Odds are you
+ ~0 \  p0 T. m8 B* a1 r' H4 ]will not get the same response this time. The stressed-out vendor may hate you, but
" k- q  T. t7 nhe’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。
+ D" j- `- Z- `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......