MBA“討價還價”戰略-美國房地產專家-投資美國房產-加州地產經紀-YepengYang楊也芃
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MBA“討價還價”戰略

MBA主張一種win-win situation,翻譯成中文叫作雙贏,這是買賣雙方經過討價還價后最終達成一致的最高境界。

 

買主或賣主任何一方明顯占便宜的買賣成交可能性不大。作為買主,首先需要了解自己的預算,銀行批准的貸款的上限;其次需要了解對方爲什麽賣房,是私人原因呢還是房子有什麽問題;再者需要了解是否有競爭對手,現金還是貸款。屋主如有意“急售”,那是一個急於兌現的信號。如果您是一次付清,或者您信用極好,已經取得了銀行貸款,都將成為屋主的青睞對象,要求屋主減價成交的可能性極大。

 

作為賣主,價高者得的定律在這時並不總是有效。

比如說您的房子開價40萬,同時收到兩個offer,一個是現金一次付清,但要求一萬元折扣,另一個是貸款,全價。這時的關鍵在於這個貸款是否100%的成功。如何判斷呢?我們將通過貸款申請人的身份(比如說是否是退伍軍人,VA 貸款有特別優惠),信用分數,工作年限,每月收入,銀行存款等信息來分析,也要考慮到房屋的估價。仍以您的40萬的售價房屋為例,如果銀行指定的估價師最終的估價是38,而銀行要求20%頭款即$76000貸款金額為$304000。那麼,貸款申請人就必須要有10萬左右的現金支付頭款及Closing Cost$400000-$304000=$96000+Closing Cost)。如果買主只有8萬現金,那麼除非您降價至38萬,否則就無法成交了。

 

中國古代軍事家孫子在孫子兵法中就有“知己知彼,百戰不殆”的戰略,在如今的房地產買賣中,我們也需要“知己知彼”,這樣才能真正地做到雙贏。

   
美國房地產專家|加州房地產經紀|加州房地產資訊網|YepengYang楊也芃


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