바이어가 알아야할 숏쎄일 스토리

 
더 많은 은행이 차압보다는 경비가 덜드는 숏쎄일은 선호 하고 있다.   
그 숏쎄일을 선호하는 바이어가 꼭 알아야할 점을 콜드웰 부동산 숏쎄일 자료를 근거로 
요점정리를 해보았다.  
 
숏쎄일이란 차압 보다는 물건을 팔수가 있어  파는사람에게도 
크레딧 보호라는  혜택이 있다.    바이어들은 마켓 가격에서 10 % 정도 낯은 금액에 오퍼가 낙찰되는일도 있어 바이어는 숏쎄일을 선호하며 긍정적일수 있다. 차압보다는 숏쎄일을 선호함은 
모든이가 아는 사실 일것이다.          
 
하지만 이런 숏쎄일이  부정적인 면도  있으므로 주의 하여야 한다. 
 
숏쎄일 요점 정리 
 
1. 긴 시간이 소요된다
2. 어느땐  약 2달 정도가 지나서야 오퍼가 어떻게 되었는지 확인할수  있다
3. 몇달후에야 카운터 오퍼를 받을수 있다 
4. 바이어는 영영 소식을 못들을 경우도 있다. 
5. 복잡하게 얽힌 셀러의 제정상태는 시간을 더욱 길게 연장 시킬수 있다.  
6. 거의 As is 상태에 팔수 있으며  Repair  (수리)  비는 바이어의 책임이다.  
7. 바이어는 미래에 발생할 문제를 대비하여 미리 수리비가 과연 
   얼마가 될지 조사하여야 한다.  
8. 너무 낯은가격은  은행의 승인을 받지 못할수 있으므로   숏쎄일 오퍼 가격도 
   마켓 콘디션을 감안하여 적당한 가격으로 오퍼를 하여야 한다.    
 
9. 차압의 경우, 숏쎄일 보다도 낯은가격 일수 있겠으나 상태는 더 취약 할수 있다.  
 
바이어는 수리비,현제마켓 콘디션,가격, 물건의 가치등을 서로 조심스럽게 
비교해보아야 할것이다.   숏쎄일이란 장기간의 기다림 에도 불구하고  
미래를 예측할수 없으므로  오퍼가 거절당했을 경우를 대비하여  옵션을 생각 해야한다.   
혹은 더좋은 옵션을 고려해야 한다.      
 
 
Joyce H. Kim
Associate Broker  SFR  숏쎄일 전문 부동산 브로커      
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Joyce H. Kim
Associate Broker    Residential I  Residential Income Unit I Multi Unit Commercial  
………………………………………………………………………………………………………………………………………..
   COLDWELL BANKER BEVERLY HILLS NORTH
  The #1 Top Producing Premier Office in the Unites States 2012,2011
  301 N. Cannon Drive, Beverly Hills, CA 90210
  Office: 310.777.6278   Mobile: 213.503.0315    
  EMAIL JOYCEK@COLDWELLBANKER.COM     WWW.JOYCEKIMESTATES.COM
  

 

What buyers should know about short sales  (COLDWELL BANKER) 

  

 

With more lenders accepting short sales as a way to avoid a drawn-out foreclosure 

process   and reduce costs, buyers looking at short-sale homes should learn what to 

look   for in a property, Market Watch reported. 

 

Those selling a home can benefit significantly, since it allows them to make a 

sale rather than going through foreclosure and is significantly less damaging to 

their credit score. Buyers may be attracted because bids as low as 10 percent 

under market value may actually be accepted, according to Travis Hamel Olsen, a 

real estate expert.

 

Things to consider about a short sale

 

Despite their potential advantages, short sales may have a downside. One real 

estate expert told MarketWatch that short sales can be time-consuming, with 

buyers commonly waiting two months to hear whether their offer is accepted or 

receive a counter-offer. During this period, buyers may not hear anything, and 

complications in the seller’s finances may slow the process further.

 

Experts also pointed out that short sales are commonly made as-is, and generally 

won’t include any credit towards repairs. As a result, properties should be 

inspected to ensure that the buyer knows of any problems likely to incur future 

costs.

 

Buyers should be cautious, experts noted, about bidding too low and rely on their 

real estate agent to help them determine the best offer to make. Banks may want 

to sell, but they won’t accept too poor a deal, so bids should still be 

reasonable for the market conditions.

 

Factors to keep in mind

 

Other analysts told MarketWatch that bank-owned properties may be priced even 

lower than short sales, but may be in worse condition, particularly after an 

extended period of vacancy. Buyers should carefully compare repair costs and 

current condition of properties as well as the price.

 

Considering the amount of time a short sale takes and the uncertainty that a deal 

will be finalized, Olsen recommended that prospective buyers who have made an 

initial offer keep looking for homes and consider alternatives, in case they are 

rejected or find a better option.

 

 

 

About Coldwell Banker®

Since 1906, the Coldwell Banker® organization has been a premier provider of full-service residential and commercial real estate. Coldwell Banker is the oldest national real estate brand in the United States and today with approximately 3,100 offices in 50 countries and territories. The Coldwell Banker brand is known for creating innovative consumer services as recently seen by being the first national real estate brand to create an iPad application and the first to fully harness the power of video in real estate listings, news and information through its Coldwell Banker On LocationSM YouTube channel. The Coldwell Banker system is a leader in specialty markets such as resort, new homes and luxury properties through its Coldwell Banker Previews International® marketing program. Coldwell Banker Real Estate LLC fully supports the principles of the Fair Housing Act and the Equal Opportunity Act.