樓市火爆時如何低價買到房子？一位30歲女性做到了
Alicia Adamczyk
2022-07-05
湯婭·史密斯在位于美國得克薩斯州的新家中。她曾經(jīng)為12套房子報價，最終買下了這一套。“當前的經(jīng)濟形勢讓人容易情緒化和沮喪，我以為我永遠也買不到房子。”圖片來源：COURTESY OF TONYA SMITH
在苦苦尋找了7個月之后，湯婭·史密斯準備放棄擁有一套住房的夢想，打算額外簽署一年租約。
30歲的史密斯曾經(jīng)為11套住房出價，拿出時間為許多住房撰寫了個性化的意向函，并且出價盡可能高于賣方的要價。每次房地產(chǎn)經(jīng)紀商都會發(fā)信息告訴她未被選中。11次被拒絕已經(jīng)讓史密斯無法承受。
她說：“我是雙魚座，所以有點敏感。我會非常喜歡一套房子，然后我想：‘好，就是這一套了，我要買下它。’然而每一次都未能如愿。當前的經(jīng)濟形勢……令人容易情緒化和沮喪，我以為我永遠買不到房子。”
過去一年半，不止史密斯一個人對房地產(chǎn)市場感到沮喪。許多購房人表示，在找房過程中，由于低庫存、高需求和破紀錄的房價等原因，讓他們感到氣餒。除此之外，有更多的房子被投資者搶購，或者變成了短租房。房地產(chǎn)市場競爭激烈，尤其是對首次購房的人而言。許多人曾經(jīng)在充滿壓力的購房過程中落淚。
今年春季，史密斯決定最后一次出價，為位于美國得克薩斯的大學城的一座三居兩衛(wèi)住房出價215000美元。她的出價比賣方要價低了10000美元，所以她并沒指望能夠收到好消息：雖然在今年4月需求開始下降，但市場依舊火爆，而且58.8%的住房售價高于賣方要價。
然后她在復活節(jié)收到了一個如奇跡一般的特別消息：她的房地產(chǎn)經(jīng)紀人發(fā)短信說：“給我打電話！”只要她想要，就可以買下那套房子。
她表示：“我無法出更高的價格，而且我感覺在這個市場中，如果你無法給出高于賣方要價的價格，就根本買不到房。我甚至不知道為什么我能夠簽下[購房合同]。”
在機構(gòu)投資者已經(jīng)對這套房子產(chǎn)生興趣的情況下，為什么史密斯的出價可以勝出？這是因為她是自己提交的申請。史密斯稱，前任業(yè)主是一位單身老婦人，她希望幫助另外一位女性。
史密斯說：“有許多投資者出價，但她發(fā)現(xiàn)我是一名單身女性。她感受到了女性與女性之間的聯(lián)系，她的想法是：‘我希望她買下我的房子。’”
史密斯在4月完成房屋交割，5月入住。之后幾周，她一直忙于更換地板和粉刷房間，享受新的社區(qū)生活。
她買房前并沒有親自看房。雖然她很喜歡這套房子，但它建成于20世紀20年代，并且一直由同一個家族擁有，直到被史密斯買下（賣房人終生生活在這里）。這意味著它很有特色，但需要一些簡單修理。到目前為止，她已經(jīng)拆掉了多個房間的地毯，露出了精美的硬木地板，并對房間進行了重新粉刷。她還翻修了客廳磚砌的壁爐。
這需要一大筆錢。隨著對經(jīng)濟衰退的擔憂日益加劇，史密斯稱她將減少購買咖啡和其他小奢侈品，開始充實自己的儲蓄賬戶。此次購房已經(jīng)讓她清空了自己的賬戶。
她表示：“雖然我為這套房子花光了大量積蓄，但我感覺這套房子本身就像是一個儲蓄賬戶。但是房屋改造是必不可少的。”
而且她希望未來有一天能夠?qū)⑼瑯拥纳埔鈧鬟f給一名潛在購房人。前提是她決定搬家。
她說：“我非常喜歡這套房子。我想在經(jīng)歷過購房的過程之后，我不太可能會在某一天想要將它賣掉。”（財富中文網(wǎng)）
譯者：劉進龍
審校：汪皓
在苦苦尋找了7個月之后，湯婭·史密斯準備放棄擁有一套住房的夢想，打算額外簽署一年租約。
30歲的史密斯曾經(jīng)為11套住房出價，拿出時間為許多住房撰寫了個性化的意向函，并且出價盡可能高于賣方的要價。每次房地產(chǎn)經(jīng)紀商都會發(fā)信息告訴她未被選中。11次被拒絕已經(jīng)讓史密斯無法承受。
她說：“我是雙魚座，所以有點敏感。我會非常喜歡一套房子，然后我想：‘好，就是這一套了，我要買下它。’然而每一次都未能如愿。當前的經(jīng)濟形勢……令人容易情緒化和沮喪，我以為我永遠買不到房子。”
過去一年半，不止史密斯一個人對房地產(chǎn)市場感到沮喪。許多購房人表示，在找房過程中，由于低庫存、高需求和破紀錄的房價等原因，讓他們感到氣餒。除此之外，有更多的房子被投資者搶購，或者變成了短租房。房地產(chǎn)市場競爭激烈，尤其是對首次購房的人而言。許多人曾經(jīng)在充滿壓力的購房過程中落淚。
今年春季，史密斯決定最后一次出價，為位于美國得克薩斯的大學城的一座三居兩衛(wèi)住房出價215000美元。她的出價比賣方要價低了10000美元，所以她并沒指望能夠收到好消息：雖然在今年4月需求開始下降，但市場依舊火爆，而且58.8%的住房售價高于賣方要價。
然后她在復活節(jié)收到了一個如奇跡一般的特別消息：她的房地產(chǎn)經(jīng)紀人發(fā)短信說：“給我打電話！”只要她想要，就可以買下那套房子。
她表示：“我無法出更高的價格，而且我感覺在這個市場中，如果你無法給出高于賣方要價的價格，就根本買不到房。我甚至不知道為什么我能夠簽下[購房合同]。”
在機構(gòu)投資者已經(jīng)對這套房子產(chǎn)生興趣的情況下，為什么史密斯的出價可以勝出？這是因為她是自己提交的申請。史密斯稱，前任業(yè)主是一位單身老婦人，她希望幫助另外一位女性。
史密斯說：“有許多投資者出價，但她發(fā)現(xiàn)我是一名單身女性。她感受到了女性與女性之間的聯(lián)系，她的想法是：‘我希望她買下我的房子。’”
史密斯在4月完成房屋交割，5月入住。之后幾周，她一直忙于更換地板和粉刷房間，享受新的社區(qū)生活。
她買房前并沒有親自看房。雖然她很喜歡這套房子，但它建成于20世紀20年代，并且一直由同一個家族擁有，直到被史密斯買下（賣房人終生生活在這里）。這意味著它很有特色，但需要一些簡單修理。到目前為止，她已經(jīng)拆掉了多個房間的地毯，露出了精美的硬木地板，并對房間進行了重新粉刷。她還翻修了客廳磚砌的壁爐。
這需要一大筆錢。隨著對經(jīng)濟衰退的擔憂日益加劇，史密斯稱她將減少購買咖啡和其他小奢侈品，開始充實自己的儲蓄賬戶。此次購房已經(jīng)讓她清空了自己的賬戶。
她表示：“雖然我為這套房子花光了大量積蓄，但我感覺這套房子本身就像是一個儲蓄賬戶。但是房屋改造是必不可少的。”
而且她希望未來有一天能夠?qū)⑼瑯拥纳埔鈧鬟f給一名潛在購房人。前提是她決定搬家。
她說：“我非常喜歡這套房子。我想在經(jīng)歷過購房的過程之后，我不太可能會在某一天想要將它賣掉。”（財富中文網(wǎng)）
譯者：劉進龍
審校：汪皓
After seven months of searching, Tonya Smith was ready to give up on her dream of home ownership and sign a lease for another year on a rental.
The 30-year-old had put offers in on 11 different homes, taking time to write personalized letters for many of them and offering over asking when she could. Each time her realtor texted her to let her know she hadn't been selected. Eleven rejections was proving to be more than Smith could take.
"I’m a Pisces, so I’m a little sensitive. I would get so attached and think, 'OK, this is going to be the one, it’s going to happen,' and then every time it wouldn’t," Smith says. "It was emotional and frustrating...in this economy, I thought I would never buy a house."
Smith is far from alone in her frustrations with the housing market over the past year and a half. Many buyers reported feeling discouraged during their search, given low inventory, high demand, and record-breaking prices. Adding to the struggle, more houses are being snapped up by investors or turned into short-term rentals. It's tough out there, especially for first-time homebuyers. More than a few have shed some tears as they navigate the stressful process.
This spring, Smith decided to put in one final offer on a $215,000 three-bed, two-bath home in a college town in Texas. Her bid was $10,000 under the asking price, so she wasn't expecting good news: Though demand was starting to fall in April, the market was still hot, and 58.8% of homes sold for more than the asking price.
Then she received a different kind of Easter miracle: a text from her realtor that read, "Call me!" The home was hers if she wanted it.
"I wasn’t able to offer over, and I felt in this market, if you're not able to offer over you won't get it," she says. "I didn't even know why I was signing [the offer]."
What set Smith's offer apart, especially when institutional investors were also interested in the property? The fact that she applied on her own. According to Smith, the previous owner was an older single woman who wanted to help another woman out.
"There were a bunch of investors, and she saw that I was a single lady," says Smith. "She felt that woman-to-woman connection of, 'I want her to be the one to buy my house.'"
Smith closed on the house in April and moved in in May. In the weeks since, she's been hard at work upgrading the floors and painting the rooms, and enjoying her new neighborhood.
She bought the house without seeing it in person. While she loves it, it was built in the 1920s and owned by the same family until Smith purchased it (the seller lived there her entire life). That means it has plenty of character—but needs a bit of TLC. So far she's pulled out the carpet in multiple rooms—revealing beautiful hardwood floors—and repainted rooms. She also refinished the brick fireplace in the living room.
That's costly, and with recession fears rising, Smith says she's cutting back on buying coffee and other small luxuries to start to rebuild her savings account, which she depleted on the purchase.
"Even though I had to put a lot of my savings into it, the house feels like a savings account," she says. "The transformation of it, this was meant to be."
And she hopes to be able to extend the same kindness to a potential buyer one day. If she ever decides to move, that is.
"I love this home so much," she says. "I think after how I was able to get it, it's going to be hard for me to want to sell it someday."
財富中文網(wǎng)所刊載內(nèi)容之知識產(chǎn)權(quán)為財富媒體知識產(chǎn)權(quán)有限公司及/或相關(guān)權(quán)利人專屬所有或持有。未經(jīng)許可，禁止進行轉(zhuǎn)載、摘編、復制及建立鏡像等任何使用。
