Stay Within Your Budget
A home is the single largest purchase most people ever make, but if you’re a newbie to real estate transactions, it can also be one of the most confusing. With so much money on the table, it’s crucial to know how to protect your assets during the home buying process. Scroll through to learn about some home buying mistakes that can cost you big bucks—and what you can do to avoid them.
Not Working with a Buyer’s Agent
如果您喜欢许多潜在的购房者，您可以扫描您所在地区的可用房屋列表，选择您喜欢的一个，然后致电广告上列出的代理商。大错。该代理人是卖方的代理人，并合法纳入卖方的利益，而不是你的。为了保护您的财务利益，您需要一个代表买方的房地产经纪人 - 买方的代理商。一旦您与其中合同，她会处理与其他代理商的所有通信，以家庭向您展示，代表您的工作。
Failing to Negotiate the Sales Price
首次购房者经常担心通过提供少于要价的卖方侮辱卖方。这可能是一个昂贵的错误，因为大多数卖家准备落在他们的价格上。您的买方的代理可以根据房屋在市场上的持平和最近的类似房屋的销售价格咨询您的适当出价，但最终决定取决于您。不要害怕谈判。
Related:10房地产谈判策略可以真正反馈
Not Cleaning Up Bad Credit
生活发生了 - 也许你已经失业了一段时间，并延迟了几次汽车付款，或者你错位偶尔的信用卡账单。不幸的是，它只需要几件延迟的付款来对您的信用评分产生负面影响，如果您拥有卓越的信誉，您将最终为房屋贷款提供更多的兴趣。在您开始狩猎之前，请获取您的信用报告的免费副本，并努力提高您的信用评分。许多社区提供免费信用咨询，以帮助您清理您的信用。
Related:10 Things Real People Regret About Buying a Home
Buying a Fixer-Upper
如果你是家庭改善的粉丝，你可能会认为你已经准备好解决了固定器。但在你在虚线签名之前，有一些你应该知道的东西。许多社区都需要许可专业人士升级接线，管道和屋顶。即使您自己允许自己做这项工作，它也必须满足当地的建筑规范。因此，如果您在您的建筑技能中不100％充满信心，您最终可能会雇用分包商，这将大大增加了需要大量工作的房屋的成本。
Buying “As Is” Without Inspections
You’ve undoubtedly seen houses listed “as is,” but those two words should send up a red flag. When a seller lists a property “as is,” it means the seller will not warranty any defects in the house. What you see is what you get with these houses. Before making an offer on an “as is” house, pay to have the home professionally inspected. It will cost around $400, depending on the size of the house and the complexity of the inspection, but what you learn about the condition of the home will save you from getting stuck with unexpected, expensive repair costs.
获得错误的贷款
除非您购买房子以翻转，否则不要通过可调率抵押贷款（ARM）的低月抵押贷款支付的承诺来诱导。一款ARM提供一年左右的付款，但在此之后，付款可以随着国家主要贷款率的增加而增加。如果美联储提高利率，您最终可能会在您被迫出售的情况下获得每月付款。从一开始就获得固定利率抵押贷款，您将总是拥有相同的每月付款。
改变了心脏
When you make an offer on a house, you put down earnest money as a show of good faith. The amount of money is up to you, but it’s typically well over $1,000. If the deal falls through because you couldn’t obtain financing or because an expensive problem was uncovered during an inspection, you’ll get your money back. If you back out of the deal because you found a better house, however, you’ll lose your earnest money. It pays to be very sure before you make an offer.
Related:房地产遗憾：10种简单的方法来避免它
Overestimating Your Budget
It’s always a good idea to get preapproved for a loan before you start house-hunting. That way you’ll know exactly how much you can spend. But being approved up to a certain amount doesn’t mean you should spend that amount. Owning a house involves a lot of unforeseen costs, such as utility costs, homeowners association fees, maintenance and repair costs, property taxes, and more. Once you factor in all those costs, buying a house at the top of your preapproval rate could strain your finances.
Related:Watch Out for 12 Real Estate Tactics Designed to Make You Spend More
Buying a House on Emotion
如果房子有白色的纠察围栏和小屋风格的百叶窗会给您童年访问奶奶的美好回忆，很难看到过去的遏制呼吁。如果房子不符合您的现实生活需求，那么对情绪的购买可能是一个昂贵的错误。你最好的选择是列出你在房子里所需的所有东西，然后消除任何不符合这些需求的房屋，无论他们可能会挑起什么怀旧或快乐的感受。
拨打小额付款
从长远来看，如果你放下了微小的付款，你会为房子付出更多的费用。Your lender may accept as little as 3 percent of the cost of the home as a down payment, but if your down payment is less than 20 percent, you’ll have to pay private mortgage insurance (PMI), and you could also get stuck with a higher interest rate. Combined, the two could add thousands of dollars to your annual mortgage costs. If possible, save up so you can put 20 percent down when it comes time to buy.
Related:10个独特方式的房主挽救了买房
只与一个贷款人交谈
不要认为所有贷款人都在提供与家庭贷款相同的利率和条款。在与任何贷方合作之前，这是一个很好的想法，至少访问三个并询问他们的费率，费用和条款。请求每个估计摊销计划，然后比较数字。在房屋贷款过程中，您可以通过选择正确的贷方来节省数千个。
跳过步行
检查结束后,你的资金已经到位, and you’re getting ready to close on your new house. A few hours or a day before the closing, you’ll have the option of taking one last walk-through before you finalize the deal and get the keys to the house. Don’t skip the opportunity. At this point, the house is usually vacant so it's easier to spot problems, and it's your last chance to see if anything’s wrong. Switch all the lights on and off, check the appliances, look under the sinks for leaks—make the most of the walk-through, because once you close, you, not the seller, are responsible for repairs.
Get The Best Price
As with all business transactions, it pays to do your research when purchasing a home.
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