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Sfaturi pentru cumpararea unei case

Unde locuim in Canada? Discutii despre case, apartamente, case de vacanta, terenuri, chirii, ipoteci, agenti imobiliari, comisioane, impozite imobiliare
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Atenție: este INTERZISĂ publicarea de anunțuri de vânzare/cumpărare/închiriere în această rubrică (destinată strict discuțiilor generale despre imobiliare din Canada).

Pentru anunțuri de vânzare/cumpărare/închiriere folosiți rubrica locală din zona unde se află proprietatea respectivă.

Mesajele care contravin acestei restricții vor fi șterse fără preaviz.
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Ce parere aveti despre preturile la case?

Chestionarul s-a închis pe data de 21 Mai 2010, 09:09

Sunt tot timpul in crestere deci vor creste in continuare
18
30%
Vor stagna o perioada apoi functie de economie, vor creste sau vor scade
18
30%
Vor fi in scadere, cel putin temporar
7
12%
Fac un gratar, beau o bere si nu las preturile la case sa ma streseze
17
28%
 
Voturi totale : 60

Mesajde scheddie » 21 Aug 2010, 09:59

" Termeni – descriu detaliile finantarii, care poate fi obtinuta de cumparator de la o institutie financiara sau poate fi preluata de la vanzator, mai ales daca acesta are o rata mai mica la ipoteca decat ar putea obtine cumparatorul."

Cum adica sa preiei rata ipotecara a vanzatorului? In ce conditii? Nu depinde de ratingul pe care il ai personal?
Edi Gabriel Schwarz - [email protected]
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Mesajde andizebi » 28 Aug 2010, 02:27

Pentru Rosalie... Aici este cel mai bun loc de aflat pretul caselor/apt/townhouse/duplex: www.realtylink.org
Burnaby si White Rock nu sunt printre cele mai ieftine... dar ce zona mai este ieftina in Metro Vancouver? :)

Bafta!
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Mesajde Radu7777 » 30 Aug 2010, 12:16

andizebi scrie:Pentru Rosalie... Aici este cel mai bun loc de aflat pretul caselor/apt/townhouse/duplex: www.realtylink.org
Burnaby si White Rock nu sunt printre cele mai ieftine... dar ce zona mai este ieftina in Metro Vancouver? :)
Bafta!

Langley, capatu lu 502 :P
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Re: Sfaturi pentru cumpararea unei case

Mesajde Isostar » 08 Iul 2014, 08:47

Cateva detalii despre actiunile facute inaintea cumpararii unei case, care in general sunt parte din conditiile ofertei:

Appraisal and Inspection, Pre-approval and firm approval are all different.

Appraisal for mortgage financing is sent by banks.
As a buyer, you can also hire independent appraiser.
Appraisal is also done for tax purposes, Estate filing, etc.

Home inspection is done by inspectors for the buyers.
Their job is to find any defects and assess the life of the major structures.
Inspectors referred by buyer’s agents are often too easy to go ahead with “greem light” for purchase.
You can also hire independent inspectors if you wish.
Inspection is not to do with financing.

Pre-approval is done merely by income, downpayment, credit history of the potential borrower.
Pre-approval has a clause = subject to satisfactory appraisal

Firm approval is granted after satisfactory appraisal, type of property, and firm offer of purchase / sale with all condition removed.
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Re: Sfaturi pentru cumpararea unei case

Mesajde Isostar » 08 Iul 2014, 12:21

Si continuam pe aceeasi idee:

First off, a pre-approval means squat. It is a very basic approval based on only a few of your expenses. Don’t buy a house based on a pre-approval from a lender. Most often they will give you a maximum amount in a pre-approval as well. Go to different lenders and then chose which one you want to deal with and get a FULL APPROVAL! This means you give them all of your numbers/expenses and they qualify you based on your TOTAL DEBT SERVICE RATIO which cannot be over 42 or 43 percent. Once this is done, they will give you a true maximum amount you can afford.

Next, in any offer you make, make sure it is conditional on financing, even if you have received a full approval. You really don’t need a condition of appraisal. Once you give your lender the accepted offer, they will start the process of finalizing your purchase – which means they will appraise the property. The appraisal is completed by an independent appraiser that is registered to do appraisals. A few years ago, appraisers were doing what was known as “drive-by appraisals.” At least for cookie cutter houses. Basically, they’d drive up to the front of the house, take a picture, look at the comparables and submit the paperwork to the lender. As long as it was in the ballpark, it was approved by the lender. In most appraisals, 3 comparable properties are selected. “Drive-by appraisals” were never done on rural properties because there are a lot of different factors that go in to an appraisal of these properties. Today, “full” appraisals are standard, therefore, make the financing condition at least 5 business days in length. And be prepared to extend that condition until the lender has fully approved the purchase. And if you’re not sure, ask if they’ve completed an appraisal on it.

In conclusion, get a full lender approval, never buy on a pre-approval; always use a financing condition in any offer you make (and if the sellers don’t like it, use another condition that allows you to get out of the deal if necessary, like the purchase being approved by your cat!); and finally, KNOW all the conditions of your mortgage, including pre-payment allowances, early termination penalties, etc. Be sure to ask these questions on the FIRST visit or discussion with a lender.
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Re: Sfaturi pentru cumpararea unei case

Mesajde Gummy Bear » 17 Iul 2014, 17:17

Daca depinzi de ce e scris pe forumul asta ca sa iti cumperi casa..........risti sa fii departe de multe adevaruri.....
i-ati un mortgage brooker :P :P
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