ng doma, obstaja več kot en način za financiranje doma. Večina ljudi poskrbi financiranja prek bank, ki se imenuje hipoteka. Namesto zadolževanja denarja od banke, je možno tudi sposoditi denar od doma prodajalca. To je znano kot lastnik financirati transakcijo. Drug pogost način za lasten dom je obljubo, da nakup doma s hipoteko v prihodnosti in se mesečna plačila prodajalca do takrat. To je možnost najema. To je v bistvu najem doma, vendar z možnostjo odkupa po vnaprej določeni ceni, če želite. Za tako kupec in prodajalec možnost najema, so prednosti in slabosti. Za prodajalec možnost najema, prednosti in slabosti, odvisno predvsem od vaše osebnosti in znesek kapitala imate v domu. Za večino ljudi, možnost najema ni opcija. Ko sem vprašati, če bi ljudje menijo, da je možnost najema, zelo zelo malo rekla ja. Na vprašanje, zakaj, odgovori razlikujejo od preprosto ne vedo, kako deluje, da ne želijo tvegati. Čeprav obstaja večje tveganje v možnost najema več kot neposredno prodajo, obstajajo tudi večji potencial nagrad. Tveganje škodljive oseba ne boste želeli ponuditi možnost najema, čeprav je tveganje na splošno manj, kot ste izpostavljeni na borzi. V nadaljevanju članku bomo razpravljali o prednostih in slabostih, ki ponujajo možnost najema pri prodaji vašega doma. Glavne prednosti najema možnost za prodajalca vključujejo (1) Več potencialni kupec za vaš dom (2) pridobivanje vaš sprašuje ceno ali več za vaš dom (3) pasivnih dohodkov. Če ste bili prav tako razmišlja najem, so dodatne prednosti. Te vključujejo (1) znatne vnaprejšnje plačilo (2) potnike je interes, v skladu domu v dobrem stanju (3), je stanovalec odgovoren za zamenjave in popravila, ne lastnik. Glavne pomanjkljivosti možnost najema za prodajalca vključujejo (1) omejen dostop do lastniškega kapitala doma (2) še vedno odgovoren za hipoteke ali potnika vam plača ali ne (3) nevarnost poškodbe potnika, ki jih doma (4) izgube dostopa do prihodnje rasti premoženja. Vsak prednosti in pomanjkljivosti se bo razpravljalo natančneje v nadaljevanju: 1. Prednost: Ob neposredni kupec. Kot vsa prosta trgovina trgih, na stanovanjskem trgu nenehno premika med kupca in prodajalca na trgu. Na trgu prodajalca, kupci so takoj na voljo in pripravljeni plačati ceno sprašuje ali več za doma. Vendar pa je na koncu vse prodajalca trgih obrnejo na trge kupca. Na tej točki, je nekaj kupcev, ki lahko svoj čas in ponujajo manj za vaš dom. Skupna gonilna sila za trg kupca, je višje obrestne mere in pomanjkanja razpoložljivih sredstev. V tem primeru je manj kupcev, saj velik delež kupcev ne morejo dobiti financiranje z konvencionalnimi sredstvi. V trenutnem trgu, kredit je pomembno vprašanje. Banke so morali hitro imajo za svoje denarne rezerve plavajo bivanje in so le pripravljeni zagotoviti hipoteke le najboljše kreditne točke. V tem primeru je zasičenost kupcev sedi na robu, z obilo denarnih tokov lastniki stanovanja, vendar nimajo kredita za nakup doma. Ponudba možnost najema daje ti kupci možnost, da kupite doma, ko drugače ne bi mogli. Za osebo, v naglici za prodajo svojih domov bi to lahko pomenilo vse. 2. Advantage: Typically for a seller to agree to a lease option, the buyer needs to agree to purchase the home in the future at the asking price or at a higher price. The seller is yielding up their future appreciation to the buyer by setting a permanent contract and should expect to get their asking price or more. The seller should also expect to get some money down to partially cover the risk of the person choosing not to exercise their option.
3. Advantage: Along with the favorable selling price, the seller will also receive monthly payments to cover the seller's monthly expenses and possibly more. How much more depends on the conditions in which the seller bought their home. If the interest rate is lower than the current rate or if there is equity in the home, the monthly payment the buyer would be expected to pay will be more than the monthly expense. The difference is income with virtually no work involved. There is probably not much hope for passive income if you have a high interest rate adjustable mortgage with negative equity, but in that situation, a short sale of your home may be a better option if available.
4. Advantage: Lease options are considered less risky than renting because of the down payment the buyer makes and the vested interest the buyer has in the home. I personally would not consider a lease option if the buyer did not offer a significant down payment because it would be too much like renting. Something that I find a little risky for my tastes. However, with a lease option, the buyer is expected to make a down payment to secure the advantages of the option, including access to future appreciation. In the lease option, the buyer has two very good reasons to keep the home: the down payment and the potential of equity growth. Unlike a rental, the home has been sold; it is just the transaction that will occur in the future. The buyer is now responsible for the maintenance and upkeep of the home, not the seller.
5. Disadvantage: One big disadvantage of a lease option is limited access to the home equity. When you offer a lease option, you must maintain your current mortgage and any other loans on the home or pay them off yourself. If you have thousands of dollars in equity in the home, that money will not be made available until the lease option is exercised. Sure, you could refinance your mortgage to get the equity out, but will incur the costs of the refinance and a higher interest rate, which is probably not worth it. As such, the rate of return on your money over the life of a lease option is dependent on how much equity is tied in your home. With little to no equity in a home, a lease option can result in a very high relative rate of return on your money. Even with a lot of equity, the option can be quite profitable.
6. Disadvantage: A lease option is an expressed intent by the buyer to purchase your home in the future. They pay you some money down, but have no obligations except to pay you a monthly payment until that time. However, there is a risk they do not pay you on time or at all. However, as far as your own mortgage is concerned, it must still be paid, and if the occupant has not given you the money to pay the mortgage, you must dig into your own pockets to find the money. Fortunately, you have the down payment to fall back on though only for a while. A lease option is a safer bet when you have enough income to afford that second mortgage payment.
7. Disadvantage: If the lease option buyer chooses not to buy the home during the lease period, then the home falls back to your possession along with the costs of repairs, if any. If they do not exercise their option, you do get to keep the down payment which helps to pay for any restoration provided the repairs do not exceed the amount of the down payment.
8. Disadvantage: When you sign a lease agreement, the seller obligates themselves to sell the home in the future for a predetermined price. If the price of the home increases in value over the life of the lease option, the buyer benefits from the value increase provided they choose to exercise their lease option.
In summary, we have discussed numerous advantages and disadvantages to offering a lease option. Ultimately, it depends on your situation. If your mortgage payment is too much of a burden for you and you need to sell fast, offering a lease option will bring more buyers offering a larger selling price. You must also look at your personality. If you do not feel comfortable with another person using a home that you are ultimately responsible for, a lease may not be good. However, if you are comfortable with other people living in the home, have a decent interest rate on your current mortgage, and are investment oriented, a lease option may be just right for you as the passive income can range from 20% to 100% of your invested equity per annum. A handsome return for a low risk investment.
Rent Nazaj Hitre