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Top 10 MISTAKES of 1st HOME BUYER
此文章由 snow 原创或转贴，不代表本站立场和观点，版权归 oursteps.com.au 和作者 snow 所有！转贴必须注明作者、出处和本声明，并保持内容完整
1. FALLING IN LOVE WITH THE PROPERTY (ppt)
Can you live in it yourself? If you can, then it's likely someone else can and so the ppt (property) is probably rentable.
2. NOT CHECKING THE FACTS
Vacancy rates, Body Corporate, average rents, average age of the rental stock, zoning, government regulations.
3. FORGETTING THE HOME IMPROVEMENT RULE
It will always take 3 times the money and twice as long as you first estimate to get a ppt ready to rent. Allow for additional funds to pay the mortgage whilst the ppt is vacant, obtain a building inspection by a qalified building inspector
4. NO CASH RESERVES
This wil puts unnecessary pressure on you to do substandard repairs, accept substandard tennats or make other poor decisions coz of a fear of vacancy.
5. DOING IT ALL YOURSELF
This approach can end up costing more in the long run. Find an accountant or a lender or a reputable real estate agent to find a ppt in our price bracket.-----Do the preapproval with a lender to make sure how much you can borrow first, then start house hunting. It will make your house hunting much effective.
6. INVESTING BLIND
The more knowledge of investint techniques, financing, acquisition and negotiating, the less risky your investments will be.
7. INVESTING LONG-DISTANCE
The only time that you would invest interstate is if you have done your due diligence and reserached the market that you intend purchasing in and also have a good real estate agent to look after and manage your property in your absence.
8. PAYING TOO MUCH
When signing a contract of sale ensure it has a subject to finance clause. This gives you a degree of protection as your lender will value the property before offering you a new loan, from this you will then know the true value of the ppt.
9. NOT STUDYING THE COMPETITION
Why does the guy across the street rent his ppt the same day someone moves out and yours sits vacant for months? He might not be very picky about whom he rents to, but he also might have lower rents or have gone to extra effort to present the ppt.
10. BEING UNDERINSURED
Insurance on rental ppt goes beyond insuring the building against fire or natural disaster. you need to look at comprehensive landlord insurance. This will not only cover you for damage to the ppt, but also loss of rent.
特别是第5 & 第10点， 本人认为购房的TZ 要好好考虑这两点。
如果没有做预评估，不清楚能贷款多少，就去盲目的看房找房，很可能会造成浪费时间精力的结果。
保险就更不用说了，一辆车子，几千到几万块的，大家都去买保险，为什么房子这么大的资产不去保险呢？ 有客户说，“家里常年有人，不怕，不用保险”。 个人认为这个理解有很大的错误，如果家里常年有人，那么contents insurance可以不用考虑，但building insurance就很不同了，如果发生地震，火灾，还有legal liability等其他类似的事情发生，就算家里有再多的人，在家再久，也无济于事啊！如果想要把保费降到最低，可以把Excess费用调高，也可以以防万一啊！Better than nothing, right? |
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2012的最后几张无聊杂图 和 一点碎碎念 (2012-12-28) JerryWu 
楼主:snow
发表于 2007-10-13 12:29
5万和50，000总是口误，看来在这边的时间还不够长啊！
