急問一下: 有沒有人有買過美國 short sale 的房子,
有沒有什麼陷阱要注意的?
感謝.
jacjan wrote:
急問一下: 有沒有人...(恕刪)
Short Sale 是美國的屋主欲將房屋以少於積欠銀行貸款未還房貸值價位出售時.
要買short sale 房屋時, 在屋主接受買方的出價後, 需再經賣方的原貸款銀行同意買方售價後才算數 (銀行才是真正的屋主). 要買short sale 的房子有可能以低於市價買到房子, 但是整個過程也可能要經過一段時間. 最好請一位有經驗的房仲來代表買方. (美國有買方仲介, 但是買方一般不需要付買方仲介佣金). 希望以下的文章對你有幫助.
Short Sale Definition:
A “short sale” is when you sell your house at a price that is lower than the balance you owe on your house. Because the proceeds from the sale of your house falls short of the principle balance you owe the bank, it is referred to as a “Short Sale”. This type of sale occurs when a homeowner cannot afford the mortgage payments and the value of the property drops so that the homeowner cannot refinance his home. The Bank decides that selling the property at a loss is better than forcing you into foreclosure.
Before you buy a short sale:
http://homebuying.about.com/od/buyingahome/bb/BuyingShortSale.htm
The Complete Short Sale Process :
http://homebuying.about.com/od/shortsale/qt/Short-Sale-Process.htm
Is buying a home in a short sale right for you?
http://www.ziprealty.com/blog/buying-home-short-sale-right-you
The short-sale buying guide for today's housing market:
http://realestate.msn.com/the-short-sale-buying-guide-for-todays-housing-market
The basics you need to know about a short sale. Top 10 questions:
http://www.shortsales101.com/basics.htm
有的專門就是做這個的，你是跟銀行打交道，有的銀行真的很慢，所以如果你最好不要之挑一個，多找幾點。
還有，其實好的房子跟地點，很多都已經被人家吃掉了，根本沒有流入市面。
因為你是現金，你可以在談價時多打點折扣，不要忘記後面還有一大堆的錢要付哦。
保險，維修，跟HOA。 因為是SHORT SALE 通常都是 AS-IS， 你一定要找專家 HOME INSPECTOR 來檢查，不要為了省幾百塊，後來花幾萬塊來維修。
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