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请教大家第一次买房的问题? 

请教大家第一次买房的问题?

从来没有买过房子,没有经验搞得我很紧张似的~~~所以想请教下大家 (目前身份是work visa,正在申请移民,希望明年可以下来身份),想买新的公寓(大概两室),有些问题希望大家可以给些意见: 1. 这个情况因为是第一次买新公寓,是[color=#FF00CC]直接找开发商买楼花(修建中的)还是需要找经济会好些呢[/color]?   两种渠道怎么样能得到比较好的价格?[b]一般开发商的价钱可以商量到便宜多少啊?[/b] 找经济呢?   --- 自己感觉找开放商应该可以拿到好些的价格,因为没有中间人的费用,但是又不知道经济如果多套房屋在手是不是更有讲价的power(买家是不用付经纪佣金的对吧?还听说有些经济都rebate佣金?) 2. 因为目前的移民身份还没有拿到,问了些目前正在修建的房子基本上都是要2012年才能入住,是不是那个时候身份拿到还是可以享受[color=#FF00CC]1st time home buyer tax return跟PTT retun[/color](这个应该价格已经超过不qualify了)?而且听说如果买房一年内拿到身份可以claim退回来TAX,是吗? 3. 还有就是关于付款:如果是资金够,是不是直接付清不要贷款啊?政府会不会查呢? 跑了burnaby几个楼盘,感觉房子卖好快,不知道是个人买了还是被地产经纪买去了,时间还蛮紧迫似的~~~ 一想还是好多问题,拜托大家了,谢谢~~~[s:197]
this is what my agent told me when i bought my place: developer might give you extra free appliances or throw you some free upgrades but they won't negotiate the price. they might even pay your gst/hst, but no reduction of purchase price. why? because it is bad for the business. the next person in the line will do the same negotiation if they cut the price. any free upgrades or appliances are not recorded by land registry office, next ppl in the line won't know your free stuff for sure. in the case of 2nd hand property, seller will mark up the price by 5% because they are ready to negotiate and potential purchase usually start their offer from 95% of the market price.
[quote]引用第2楼rappei于2010-11-21 22:42发表的  : 我明天准备下offer..有点紧张,不过是agent帮我弄的那些东西[s:205] [url=/club/job.php?action=topost&tid=267295&pid=6164437][img]p_w_picpath/back.gif[/img][/url] [/quote] offer米啥滴= =素不素你的还是个问题= =别紧张。。。 希望你能买个好价钱
当发展商买剩下货尾的时候,可以有价钱讲的,谁说没有????
一个一个回答你的问题: 1. 这个情况因为是第一次买新公寓,是直接找开发商买楼花(修建中的)还是需要找经济会好些呢?   两种渠道怎么样能得到比较好的价格?一般开发商的价钱可以商量到便宜多少啊? 找经济呢?   --- 自己感觉找开放商应该可以拿到好些的价格,因为没有中间人的费用,但是又不知道经济如果多套房屋在手是不是更有讲价的power(买家是不用付经纪佣金的对吧?还听说有些经济都rebate佣金?) [color=#FF0000]错了,发展商不会因为你没有经纪就给你折扣,这样发展商就会得罪很多经纪,发展商也要靠经纪带客人给他,因此不会得罪经纪的[/color] 2. 因为目前的移民身份还没有拿到,问了些目前正在修建的房子基本上都是要2012年才能入住,是不是那个时候身份拿到还是可以享受1st time home buyer tax return跟PTT retun(这个应该价格已经超过不qualify了)?而且听说如果买房一年内拿到身份可以claim退回来TAX,是吗? [color=#FF0000]以你的情况,只要你在过户的时候已经移民并在BC住上超过一年就可以退税了。 价格只要不少过四十二万五就可以qualify[/color] 3. 还有就是关于付款:如果是资金够,是不是直接付清不要贷款啊?政府会不会查呢? [color=#FF0066]不用贷款是好事,政府没有那么多时间多管闲事。由于你现在不是移民,多少钱进入你的户头,政府都不会管你,多多益善[/color]
我买房子时没用经纪,开发商问我,我说没有,她直接给了5000的discount.///
I checked out a few new development recommended by my realtor. Most of the developers had completed phase one and selling phase two at the time. They were not even open to the idea of free upgrades. A few developers were just opening their open house. I didn't pay much attention because of unknown construction quality. A few developers already sold out most of the units in their subdivision. They were the people advertising big on free upgrades or no-gst things. because they want to move on to the next project quickly. if the developer is not insolvent or closing down their business, they don't want to negotiate down the price. If you don't have realtor representing yourself, ask the realtor representing the developer. they will promise you cash-back, kick-back, rebate, or whatever you want to call. but remember this is not a price reduction, it is out of the total commission.
好谢谢大家哦~~~ 一个一个看!
[quote]引用第7楼cloud_zhou于2010-11-22 18:43发表的  : I checked out a few new development recommended by my realtor. Most of the developers had completed phase one and selling phase two at the time. They were not even open to the idea of free upgrades. A few developers were just opening their open house. I didn't pay much attention because of unknown construction quality. A few developers already sold out most of the units in their subdivision. They were the people advertising big on free upgrades or no-gst things. because they want to move on to the next project quickly. ....... [url=/club/job.php?action=topost&tid=267295&pid=6165871][img]p_w_picpath/back.gif[/img][/url] [/quote] 好谢谢你的解释,感觉现在在卖的房子都是要到2012才可以建好的,已经建起来的几乎都sold out了(当然我感觉最后建好也许有些房子会因为各种原因又放出来,但到时候选择面就小很多了吧)。。。 我现在很喜欢的一个是BOSA的,听说口碑很好,不知道大家有知道的不?去看SHOW ROOM的确设计跟用材都真的不错相比较,房子相对也卖得比较快吧,问价钱时候开发商就有问是不是有经纪人,所以怀疑有没有可以给的offer不同,现在犹豫是不是该找个经济~~~ 大多数开发商我看他们都是自己的SALES TEAM吧?那个算是它们的经济吗?         open house那里卖楼花的人?是不是房子卖到剩下都建好了才开发商才会托经济来卖啊?~
[quote]引用第2楼rappei于2010-11-21 22:42发表的  : 我明天准备下offer..有点紧张,不过是agent帮我弄的那些东西[s:205] [url=/club/job.php?action=topost&tid=267295&pid=6164437][img]p_w_picpath/back.gif[/img][/url] [/quote] 恭喜MM哦,我也好想早点订下来呢,其实有时候房子给的感觉也很重要呢~~~ 想问下MM经济拿到的DEAL好吗?!
[quote]引用第6楼wyh1984于2010-11-22 12:56发表的  : 我买房子时没用经纪,开发商问我,我说没有,她直接给了5000的discount./// [url=/club/job.php?action=topost&tid=267295&pid=6165280][img]p_w_picpath/back.gif[/img][/url] [/quote] 嘿嘿,好好哟~~~想问下没用经济的话签合约是不是要自己找律师的?
[quote]引用第5楼kingkong123于2010-11-22 02:12发表的  : 一个一个回答你的问题: 1. 这个情况因为是第一次买新公寓,是直接找开发商买楼花(修建中的)还是需要找经济会好些呢?   两种渠道怎么样能得到比较好的价格?一般开发商的价钱可以商量到便宜多少啊? 找经济呢?   --- 自己感觉找开放商应该可以拿到好些的价格,因为没有中间人的费用,但是又不知道经济如果多套房屋在手是不是更有讲价的power(买家是不用付经纪佣金的对吧?还听说有些经济都rebate佣金?) ....... [url=/club/job.php?action=topost&tid=267295&pid=6164753][img]p_w_picpath/back.gif[/img][/url] [/quote] 谢谢呢,那么仔细的解释! 1. 我想应该要找经济会更省心吧,但不知道是不是自己去会拿到更好的PRICE呢,因为开发商有说没有经济的话会可以好些的PRICE呢~~~ 但没有经济是不是签合同还要自己找律师啊?开发商不管的哦?犹豫中~~·      一般开发商的listing price可以有多少可以negotiate的空间啊?1,2%算多吗?没概念~~~ 2. 在BC住超过一年是要移民的身份吗?还是现在那work visa也算呢? 除了PTT RETURN那个first home buyer tax return呢?我看好像说是5000块的15%最多可以,有点不懂? 这个跟PTT RETURN不一样的吧?如果只有这5000的15%,好像也就没多少了,这个真正是应该怎么计算的呢? 也没有什么HST REBATE的优惠吧? 还是有好多问题,拜托大家了~~~
[quote]引用第9楼plato_drea于2010-11-22 20:23发表的  : 好谢谢你的解释,感觉现在在卖的房子都是要到2012才可以建好的,已经建起来的几乎都sold out了(当然我感觉最后建好也许有些房子会因为各种原因又放出来,但到时候选择面就小很多了吧)。。。 我现在很喜欢的一个是BOSA的,听说口碑很好,不知道大家有知道的不?去看SHOW ROOM的确设计跟用材都真的不错相比较,房子相对也卖得比较快吧,问价钱时候开发商就有问是不是有经纪人,所以怀疑有没有可以给的offer不同,现在犹豫是不是该找个经济~~~ 大多数开发商我看他们都是自己的SALES TEAM吧?那个算是它们的经济吗?         open house那里卖楼花的人?是不是房子卖到剩下都建好了才开发商才会托经济来卖啊?~ [url=/club/job.php?action=topost&tid=267295&pid=6166094][img]p_w_picpath/back.gif[/img][/url] [/quote] I don't trust those big developer's name. there are lots of developer's reputation under attack in the past 20 years. if you do a careful online research, you will see lots of them being sued in the past. many developers were also named by owner for small deficiency problems even though those problems were not big enough for lawsuit. that's why it is very risky to purchase presale properties. you never know what you will end up buying. because of that, presale is always cheaper than the ones ready for occupancy, and phase one is always cheaper than phase two. when you check out show room, don't get fooled by the furniture and decoration. developer paid architect firm big money for designer brand stuffs. you should forcus on the price, location and functions. developers usually hire realtor to sell properties. those in-house realtors get paid by salary but still on commissions. when you walk into an open house, they first ask you whether you have a realtor before getting into any kind of detailed discussion. they won't cheat you if you don't have a realtor. the reason they asked that question, because they don't want you to be scare away by the price. if you don't have a realtor, they are ready to give you a kick back. otherwise, they will have to pay your realtor money anyway. everytime they sold a property, part of the money you paid will automatically become commissions unless neither purchaser nor seller has a realtor. if you don't have a realtor, and the seller has a realtor, seller's realtor will get the full commission. if both sides have realtors. your realtor will automatically get his cut. if you don't have a realtor and seller has a realtor, seller will get the full commission. as seller's realtor, they are willing to kick back some cash to you if you don't have a realtor. that amount is negotiatable by the seller's realtor because it is out of his own pocket. if you decide to hire a realtor at the last minute, developer's realtor has to pay him supposedly $5k. if you decide not to hire a realtor, the developer's realtor willing to kick back at least 50% of that $5k to you to convince you to buy the place. for the developer's realtor, they are not worse off simply because of that kick back, they just don't want to lose your business. if there is a bidding war, you will need a realtor. if you want to buy directly from developer, there is no need to hire a realtor. having say that, you will definitely need a lawyer to check out the wording on any offer or purchase agreement. developer want to presale their properties as much as possible. by doing that, they are basically using purchaser's money to build the properties. they are subject to less risk. one of the biggest risk for developers is not being able to sell all units for a long time. at the mean time, they are tied up by the unpaid bank loan and operating cost of maintaining a sales team. again, be careful with those presale. presale is cheap. you can even customize the construction to your need by adding or deleting stuffs. but you never know what you getting in the end.
如果你認識發展商裏面的員工就好辦了, 在PRE-SALE之前就可以優先預購~~....不需要經紀.... 我上次去看就是, 我去看的時候完全沒有經紀在, 然後會返還1W....當是有便宜啦....
[quote]引用第9楼plato_drea于2010-11-22 20:23发表的  : 好谢谢你的解释,感觉现在在卖的房子都是要到2012才可以建好的,已经建起来的几乎都sold out了(当然我感觉最后建好也许有些房子会因为各种原因又放出来,但到时候选择面就小很多了吧)。。。 我现在很喜欢的一个是BOSA的,听说口碑很好,不知道大家有知道的不?去看SHOW ROOM的确设计跟用材都真的不错相比较,房子相对也卖得比较快吧,问价钱时候开发商就有问是不是有经纪人,所以怀疑有没有可以给的offer不同,现在犹豫是不是该找个经济~~~ 大多数开发商我看他们都是自己的SALES TEAM吧?那个算是它们的经济吗?         open house那里卖楼花的人?是不是房子卖到剩下都建好了才开发商才会托经济来卖啊?~ [url=/club/job.php?action=topost&tid=267295&pid=6166094][img]p_w_picpath/back.gif[/img][/url] [/quote] Bosa 盖的比较多高端点的公寓,价位不底 他们没有自己的sales team 他们用外判的 Onni 虽然出名好像做工一般 楼主看上的是哪个楼盘? 本那比
谢谢呢,那么仔细的解释! 1. 我想应该要找经济会更省心吧,但不知道是不是自己去会拿到更好的PRICE呢,因为开发商有说没有经济的话会可以好些的PRICE呢~~~ 但没有经济是不是签合同还要自己找律师啊?开发商不管的哦?犹豫中~~·      一般开发商的listing price可以有多少可以negotiate的空间啊?1,2%算多吗?没概念~~~ [color=#FF0000]找律师很好找的, 一般交易没有mortgage 律师费,六百多到八百, 有mortgage 律师费八百到九百, 发展商介绍的律师不能用,价钱都不会低于一千二。过户律师或公证人那个都一样,手续都是标准流程。 一般公证人会比较便宜 一般发展商降价空间非常少,一般几千已经很走运了,除非买到最后的示范单位,议价空间就会大,可能会超过一万或以上[/color] 2. 在BC住超过一年是要移民的身份吗?还是现在那work visa也算呢? 除了PTT RETURN那个first home buyer tax return呢?我看好像说是5000块的15%最多可以,有点不懂? 这个跟PTT RETURN不一样的吧?如果只有这5000的15%,好像也就没多少了,这个真正是应该怎么计算的呢? 也没有什么HST REBATE的优惠吧? [color=#FF0000]住超过一年不需要移民身份,只要你在BC有报税或者居住即可,过户时是移民身份就可以了 PPT 不是return 是exempt (免除/不用上缴). 只有HST才是rebate(退税)退税分两部分,一是联邦部分,一是省部分,基本上人人有份永不落空,按照比例越贵的房子退的越少。这个税一般发展商会在交易时候credit在你放假上面,看看合同就知道了。 first time home buyer tax return(是 tax credit,用来降低收入所得税)[/color]
[quote]引用第14楼chelchel于2010-11-22 22:58发表的  : 如果你認識發展商裏面的員工就好辦了, 在PRE-SALE之前就可以優先預購~~....不需要經紀.... 我上次去看就是, 我去看的時候完全沒有經紀在, 然後會返還1W....當是有便宜啦.... [url=/club/job.php?action=topost&tid=267295&pid=6166478][img]p_w_picpath/back.gif[/img][/url] [/quote] 有些发展商是不做内部认购的
[quote]引用第11楼plato_drea于2010-11-22 20:30发表的  : 嘿嘿,好好哟~~~想问下没用经济的话签合约是不是要自己找律师的? [url=/club/job.php?action=topost&tid=267295&pid=6166115][img]p_w_picpath/back.gif[/img][/url] [/quote] 签约一般没有人会找律师的 发展商的合约和 PDS 加起来象一本书那么厚,看完基本上要花一个小时或以上,基本上你没有心思看清楚就得赶紧签名了 这是每个发展商卖房的基本技巧 预售房适合资金充裕的人购买,或者不需要mortgage的人购买,并不适合普通打工一族购买,除非你的工作不容易被lay off,或专业人士,不然解除条件后在交房前被lay off了,没有足够资金交钱那就惨了

回 11楼(plato_drea) 的帖子

嗯,自己找律师。。
if you can understand those legal documents, you don't need to consult with lawyers. otherwise, i wouldn't be cheap on lawyer's fees. personally i don't think realtor worth that money. they lie and cheat like no tomorrow. you may call them professional sales man but i don't think they have much to offer except sweet talking. typical lawyer charges you less than $300 per hour. for less than half milion dollar residential property, i can't imagine a lawyer charging you over $1,000 for consultation fees. the most important part, you need a professional to explain in layman language about what you are going to sign up for. remember the fact that you are coughing up half a million dollar for a place you want to call it home. lawyer's fee and inspection fess will be the best spent money when buying yourself a home.

回 20楼(cloud_zhou) 的帖子

that's call property disclosure statment, it's in plain language no difficult  jargon you can graduate from a post secondary school here, then you have the capability to read and understand PDS
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