说来可气又可笑,很多大坑人满为患,大家前赴后继掉进去,尽管好容易从大坑里爬出来的人呕心沥血,总结经验,帮助到了一部分人,大多数人还是摸着石头过河,噼里啪啦的往坑里掉。
就拿在英国买房这件事来说,我们最近发现已经掉进两个大坑了,第一个是不知道一家三口买一居室作为首套会有被银行怀疑成欺诈的风险,在一居室上浪费了太多时间;这个暂且不说,今天重点要说的是另一个大坑: 如何给offer?
在《英国买房看房记》中,我简单提到给offer的技巧:听从中介的建议。今天看来,这本没错,如果你想让你的offer顺利被房主接受,中介的建议是很值得参考的,我是这么做的,我的某些offer也的确顺利被房主接受了。照理说一切顺理成章,也没有证据证明哪儿有问题,就是感觉不太对劲。
这边买房和国内区别挺大的,流程上讲,国内是:看房---见房主议价---交订金成交---办理交接,基本上交完订金,双方都踏实了,买方不再到处看房,卖房也不再继续找人看房。这边是:看房---给offer---offer被接受---?---办理交接,在offer被接受之后到交换合同之前有大约两个月的时间,据说双方都可以反悔,不用负任何责任,这么一来,买卖双方心理都不会很踏实,买方怕卖方反悔或者发现自己给的offer偏高会继续到处看房,如果找到性价比更高的房产可以改主意,原则上卖方不会找人继续看房,但如果原来的客户里有人给出更高的offer,卖方也可以改主意。这让我一度很沮丧,心想这么下去,什么时候是个头啊?卖房的人能卖出房产吗?买房的人能买到中意的房产吗?不过看这边地产市场似乎也很火爆,看来我有点多虑了,和国内的政策比起来,这边的政策更趋向于理性,给买卖双方更多思考和了解对方的时间和空间。
有点跑题了,回归正题,关于给offer。如果找到能满足自己最主要的三条原则(比如: 位置,房子本身,投资回报率)的房产,当然,加分项越多越好,特别希望自己的offer被接受,可以重点参考中介的建议,请注意,这里说的是建议,毕竟掏钱的是你自己,最终的决定还是得自己拿,中介不会为你负责,而且,如果你的offer被接受了,再难有讨价还价的机会,当然,如果你的offer没被接受,也只能认了。怎么有点博弈的感觉?有时你给了offer,中介会立刻联系房主,得到反馈以后,还有议价的机会,有时中介会收集好几个offer,一起给房主,让房主挑,这时房主一旦做决定,就没有议价的机会了。
有时也有虚虚实实的感觉,不知道中介话的真假,以前我以为, 人家发达国家讲究的就是诚信,必不会言不由衷,现在发现,不一定,据说他们只对邮件里或合同里的话负责,口头上表达的可以随时否认,看房给offer的过程中,我已经遭遇不止一次这样的情况了。所以如果国人想投资这边,也要小心这点。
我就是那个摸着石头过河的人,其实很多东西网上都有,只是现在才想起来看,希望你是那个看我这种傻瓜冒险自己不冒险的幸运者。据说首套购房者中有超过一半的人不懂得议价,其中包括我,我认了,如果能凑巧帮助到你省钱了,这坑算是没白待!
Just over half of recent first-time buyers regret not negotiating with the seller before buying their home, a survey has found.
In fact, so keen are they not to lose their first home, more than one in five paid thousands extra to get their foot on the property ladder - adding £7,758 to the asking price on average.
Some 51% of those who had bought their first property in the past five years regretted not trying to hammer out a better deal, Barclays Mortgages found.
Two-thirds (66%) of those surveyed said they would like to learn more about negotiation skills.
A fast-moving market in some areas may be putting buyers off trying to negotiate, with 85% of those surveyed describing the current property market as "extremely competitive".
Peter Brooks, Barclays' behavioral finance expert, said: "Buying a property is the biggest investment of most people's lives and it's imperative that the negotiation process is approached with a healthy combination of pragmatism and fearlessness.
"The biggest mistake many first-time buyers make is to rush into decisions and then panic once they have been made."
Some 750 people who had bought a property in the past five years took part in the survey.
Here are 10 tips from Brooks for buyers to boost their negotiating skills:
Be clear and assertive - When buying a property, many parties are involved meaning miscommunication is common. Being clear, decisive and assertive will ensure a faster process which the seller will ultimately appreciate.
Be a good listener - An estate agent is always looking to secure a deal. They will often share insights into the seller's thinking, providing tips on their priorities and clinch points to secure the sale.
Do your research - Many online tools allow prospective buyers to see average selling prices, school catchment areas and crime rates in the local area. Buyers can use this knowledge as negotiation ammunition.
Be optimistic but always be willing to walk away - There are plenty more opportunities out there if this one does not go to plan.
Play your cards close to your chest - Disclosing your maximum budget or how quickly you want to move gives others the upper hand, which may result in you paying more than required.
Be prepared to make multiple offers - Remember that this is a two-way deal and you both want the best possible result. This could mean multiple offers are required to secure the property.
Keep trying - Do not feel defeated if you are unable to negotiate on the offer price. Your initial offer is not your only opportunity to negotiate. A professional survey on the property might find issues that need addressing, which you can use to negotiate the final sale price.
Know your limits and stick to a budget - Save money for hidden costs - including surveys, insurance, removals and solicitor's fees.
Be patient - Buying a new property can be time-consuming and frustrating. It can take time to find the right mortgage rate or property. It can be easy to forget that both parties want the same outcome - a successful sale.
Do not take it personally - Buying a new home should be seen as a smart investment. To help reign in emotions, invite someone else to view the property with you to provide a more practical opinion.