Home Warranty
你需要知道的关于购买一所待修房屋的一切
Buying an older home to transform is something most of us have daydreamed about in our pursuit of the perfect living space. 但是如果你不小心，这个梦很快就会变成一场噩梦.
Buying an older home to transform is something most of us have daydreamed about in our pursuit of the perfect living space. 但是如果你不小心，这个梦很快就会变成一场噩梦.
买一套待修的房子可能会有一些异想天开的事情. How much fun would it be to purchase a charming older home at a discount and renovate it into your dream home? Sure, 这需要一些艰苦的工作和体力, but at the end of the day, the house will be customized to fit your needs and wants—and you’ll save a ton of money. Right?
When building or buying a home, it’s essential to have a realistic timeline and a budget that allows for every cost involved in your renovation.
Here are some need-to-know tips on how to make sure buying a fixer-upper home doesn’t break your budget or your sanity.
Hire a professional.
当投资于修缮房屋时, 重要的是要确切地知道你要做什么. 这是修房必不可少的一步 home buying process 是否聘请质量检查员对物业进行评估. 他们可以准确地告诉你需要翻修多少. Then, you can get estimates and have your real estate agent bring this to the seller to help negotiate the price.
如果大部分需要的修复都是表面的, 你的修补修补可能更便宜，而且过程更快. But if your budget doesn’t allow for repairs to structural damage to the home, knocking down walls, 更换电气系统(你懂的), 那么买房可能就不值得了. 以下是一些需要注意的潜在问题:
Usually, 检查员会在检查过程中发现这些东西, 但如果你在观看过程中看到这些危险信号, 你最好拒绝对方的提议. Preparing a home inspection checklist 能帮你节省时间和心碎吗.
不要高估你的技能.
bet3365标准版大多数人都为此感到内疚. We watch hours of HGTV, successfully do one DIY project, and, suddenly, we think we can tackle any home repair 使用正确的工具和YouTube上的教程. But some projects require professional experience and a hefty budget to purchase the correct equipment.
What starts as a simple afternoon project could quickly turn into a whole weekend, 还得跑几十趟五金店修理问题. Before you know it, you’ve spent much more than you expected and still have to call in a professional to finish the job.
在拟定装修房屋的预算时, make sure you allow for the worst-case scenario situations and factor in how much it will cost if you have to hire a contractor on all projects. Hiring a professional may save you money down the road because you know the project will be done right.
Also, don’t forget about the cost of permits when totaling your upfront costs for buying a house. 根据你的需要，它们可以加起来. Some home warranty plansies—like our ShieldPlatinum™ 计划-提供许可证和违反法规的费用.
Be pessimistic.
没人喜欢黛比·唐纳. 但如果是买一套待修的房子, you should plan for everything to fall apart so that you’re prepared to pay for any issue uncovered during renovation.
When it comes to a time frame, it may be helpful to double your initial estimate. Several factors can affect home renovation timelines, and many of them are hard to predict. 一些房屋装修延误可能由以下原因引起:
在这个过程的开始，把你想要完成的每件事都画出来. Some delays are inevitable, but if you suddenly change your mind on what you want while the renovation is underway, 这会花费你更多的时间和金钱.
Thinking about coverage?
Sounds like a plan. 找到最适合你的保修单.
投资一个高质量的承包商.
You may love a bargain, but you often get what you pay for when it comes to construction. When hiring a contractor, it’s important to do your research and make sure their reputation precedes them. Know exactly what questions to ask，沟通明确的期望，并总是得到一个书面的估计. 在购物的时候，有 signs of quality 你可以留意潜在的危险信号.
If your renovation includes major work, ask your contractor if they offer a builder’s home warranty，以防工作完成后出现问题.
知道去哪里找房产.
Whether you’re fixing up an old house to live in or are looking for multiple properties to flip, 这里有一些方法可以找到他们.
If you’re new to real estate and are on the lookout for finding your dream home, here are some 给首次购房者的建议.
利用你所有的财务选择.
If you want to purchase a fixer-upper home but don’t have enough in your budget for renovations after your down payment, you still have options. 一些贷款机构提供固定按揭贷款, which can roll the cost of the renovations and the house itself into one payment.
With a fixer-upper loan, the money for the renovations is held in an escrow account and doled out as needed. 如果你超出预算，通常还会有零用钱. 这种贷款可能会有额外的费用, so make sure you factor those in when deciding if buying a fixer-upper home is right for your financial situation.
查看更多关于 mortgage approval 以及你能做些什么来加快这个过程.
重新考虑你的生活安排.
你的新家正在装修，你能住在里面吗? Sometimes, yes. 但这会是一次愉快的经历吗? Maybe not.
It may seem logical to live on-site during renovation—you’ll be there for any questions, 你可以省下房租或避免支付两笔抵押贷款, and you can spend your free time working on your DIY projects without having to travel back and forth. 但住在建筑工地可能是一场噩梦. 取决于项目的规模, 你可能会经历几天没有水的日子, power, heat, or air conditioning.
It may be a good idea to have a secondary living option available just in case. The last thing you want is to grow to resent your new home before you’ve even had a chance to enjoy it.
When it comes to fixer-upper homes, staying on budget and planning ahead are key. After you’ve purchased your home, safeguard your budget by investing in a home warranty. 美国家庭盾牌负担得起 为购房者提供住房担保 that can be your budget safety net for unexpected breakdowns of home systems and appliances.
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