HOME Procurement.


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Purchasing ADVANTAGES. Assessment SHELTER. Influence. Swelling HEDGE. Avoidance OF GAIN. Purchasing/RENTING ... Discovering YOUR HOME. TIPS FROM ACQUAINTANCES. CLASSIFIEDS. DRIVE-BYS ...
Transcripts
Slide 1

HOME ACQUISITION PRESENTED BY DR. AA NEIDERMEYER

Slide 2

ASPECTS OF HOME OWNERSHIP BUYING/RENTING FINANCING SELECTING REFINANCING SELLING

Slide 3

BUYING/RENTING BUYING ADVANTAGES TAX SHELTER LEVERAGE INFLATION HEDGE EXCLUSION OF GAIN

Slide 4

BUYING/RENTING BUYING DISADVANTAGES MAINTENANCE HIGHER MONTHLY COSTS LOSS RISK LOSS OF FLEXIBILITY

Slide 5

BUYING/RENTING ADVANTAGES MORE FOR YOUR MONEY FLEXIBILITY INVESTMENT ALTERNATIVE(S) NO MAINTENANCE

Slide 6

BUYING/RENTING INVOLUNTARY RELOCATION LIMITED DECORATING PREFERENCES NO TAX DEDUCTIONS NO LEVERAGE

Slide 7

FINANCING ALTERNATIVES UP-FRONT COSTS POINTS DOWN PAYMENT CLOSING MONTHLY PAYMENTS PRINCIPAL INTEREST, TAXES & INSURANCE

Slide 8

FINANCING LOAN ALTERNATIVES FIXED-RATE ARMs BALLOONS

Slide 9

FINANCING SOURCES S & Ls SAVINGS BANKS CREDIT UNIONS MORTGAGE BANKS FAMILY SELLER COMMERCIAL BANKS

Slide 10

SELECTION SINGLE-FAMILY DUPLEX CONDO COOPERATIVE

Slide 11

SELECTION FINDING YOUR HOME TIPS FROM ACQUAINTANCES CLASSIFIEDS DRIVE-BYS MULTIPLE LISTING SERVICES REALTOR LEADS

Slide 12

SELECTION EVALUATION OF THE HOME INSPECTING THE PROPERTY APPRAISING THE PROPERTY NEGOTIATING THE PRICE

Slide 13

THE PURCHASE THE PURCHASE CONTRACT EARNEST MONEY INSPECTION WALK THROUGH ESCROW MONIES

Slide 14

REFINANCING 1 – 2 % DOWNWARD SHIFT IN INTEREST RATES SHOP FOR THE BEST DEAL ITEMS ARE NEGOTIABLE DO A COST/BENEFIT COMPARISON

Slide 15

SELLING YOUR HOME YOURSELF: GET APPRAISAL DO TOUCH UPS DEAL WITH POTENTIAL BUYERS NEGOTIATE THE SALE

Slide 16

SELLING YOUR HOME THROUGH AN AGENT: SCREEN THEM COMPARE COSTS ( 5 – 7 %) LISTING? Restrictive RIGHT TO SELL EXCLUSIVE AGENCY OPEN LISTING ACCOUNTABILITY REQUIRED !!!

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