首次购房者最常犯的错误是什么? Dave Merk 这样说...

2020-11-19 18:23

What are common mistakes made by first time house buyers? LNY世界播

首次购房者最常犯的错误是什么?LNY世界播


Answered by: Dave Merk,Retired Navy, Realestate investing 2004 - present, Lego nerd LNY世界播

回答者:戴夫·默克(Dave Merk),退役海军,房地产投资,2004年至今,乐高书呆子LNY世界播


Here are all the mistakes I made on my first go; LNY世界播

以下是我第一次尝试时所犯的所有错误;LNY世界播


It was 1999 and my partner pointed out an ad in the paper displaying beautiful, brand new 4 bedroom houses for $169,900. But I knew I couldn’t afford it, because my parents told me it was impossible. This was San Diego. Anybody else go house shopping in SD lately? They are not 169k anymore! LNY世界播

那是1999年,我的伴侣在报纸上指着一则广告,上面展示了一栋漂亮的、崭新的4间卧室的房子,售价169,900美元。但我知道我负担不起,因为我父母告诉我这是不可能的。这是圣地亚哥。最近还有其他人去SD买房子吗?他们不再是169K了!LNY世界播


The year is now 2000 and the San Diego market was crazy hot. Now I am serious. But still dumb. I look and find a decent place and submit an offer BEFORE getting pre-approved for a loan. Needless to say, I didn’t win that bid. Some of that was the realtor’s fault. He should have known better. Make sure your agent knows what they are doing! LNY世界播

今年是2000年,圣地亚哥的市场非常火爆。现在我是认真的。但还是很傻。我会先找个像样的地方,然后提交一份报价,然后才能得到贷款的预先批准。不用说,我没有赢得那个竞标。这在一定程度上是房地产经纪人的错。他应该知道得更清楚。确保您的工程师知道他们在做什么!LNY世界播


I eventually settle for a 2 bedroom condo situated right above someone else’s garage and directly below a neighbor with a noisy kid and all with a beautiful view of a freeway! Needless to say, I never felt lonely. LNY世界播

我最终选择了一套两居室的公寓,就在别人车库的正上方,就在邻居的正下方,有一个吵闹的孩子,而且所有的房子都可以看到高速公路的美丽景色!不用说,我从不感到孤独。LNY世界播


Only after we moved in did I discover how filthy the carpet was. It would have been so easy to get it professionally cleaned BEFORE WE MOVED IN! LNY世界播

我们搬进来后,我才发现地毯有多脏。在我们搬进来之前,很容易就能得到专业的清洁!LNY世界播


A nice tree blocked the view of the freeway and provided some shade and noise relief, that was until the HOA cut it down! When I complained to them about removing the tree, they cited maintenence and reminded me that they had asked the homeowners about it, and made it clear that I should be attending their meetings! Yes, if you get into an HOA, go to the meetings, take the time to understand the issues, and vote. LNY世界播

一棵漂亮的树挡住了高速公路的视线,提供了一些遮荫和噪音缓解,直到HOA把它砍倒了!当我向他们抱怨移走这棵树时,他们以维修为由,并提醒我,他们已经向房主询问过这件事,并明确表示我应该参加他们的会议!是的,如果你参加了HOA,那就去参加会议,花点时间了解问题,然后投票。LNY世界播


A couple years later the Navy (I was enlisted) transferred me to Pearl Harbor. My agent in Hawaii advised me to keep the San Diego condo, do a cash-out refi, keep it as a rental and use the cash-out funds to buy a small house which could be converted to another rental one day. The whole thing worked to where I would have gotten an extra $100 or so each month and would have been able to get into a small house for $280k which would have been a big improvement over what we had been living in. Nope, I was at the top of Mt Stupid. I wanted a big, nice house, so I sold the condo and bought a 400k house. Today that condo is worth more than double what I sold it for and it would have been a great rental. The house went up in value too, which made my former partner very happy when she took it to the bank. LNY世界播

几年后,海军(我应征入伍)把我调到珍珠港。我在夏威夷的经纪人建议我保留圣地亚哥的公寓,做一次套现再融资,把它作为出租,用套现的资金买一栋小房子,有朝一日可以改装成另一套出租。我每个月能多挣100美元左右,花28万美元就能住进一间小房子,这比我们以前住的地方有了很大的改善。不,我当时在愚人山的山顶。我想要一栋又大又好的房子,所以我卖掉了公寓,买了40万英镑的房子。今天,这套公寓的价值是我卖出时的两倍多,那将是一次很划算的租房。房子也升值了,这让我以前的伴侣在拿到银行时非常高兴。LNY世界播


The biggest mistake I ever made was not buying when I had an opportunity in 1996. A small condo I looked at then would have set me back $89,000. Today that condo is worth $280,000. But I had to have a new car instead.. LNY世界播

我犯过的最大错误是在1996年有机会的时候没有买入。我当时看的一套小公寓要花我89000美元。如今,这套公寓价值28万美元(约合人民币28万元)。但我不得不买辆新车。LNY世界播


There you have it, feel free to downvote me now. LNY世界播

好了,现在你可以随意否决我的投票了。LNY世界播


Oh wait, here are a few things I did right; LNY世界播

哦,等等,以下是我做得对的几件事;LNY世界播


I started looking, and learning one lesson at a time, figuring out the buying process until I was ready to buy. LNY世界播

我开始寻找,一次学习一节课,弄清楚购买过程,直到我准备好购买为止。LNY世界播


It took several attempts to get approved for a mortgage and get an offer accepted, so when I did get the first place, it was a hell of an achievement, even if it was just a crap hole. LNY世界播

我花了几次努力才获得抵押贷款的批准和接受,所以当我真的拿到第一名的时候,这是一个地狱般的成就,即使它只是一个垃圾洞。LNY世界播


Despite the lousy setting, my measly $5800 of life savings invested in that condo returned $90,000 when I sold It only 2 years later. Even the crappy places can make you rich if you time them right. LNY世界播

尽管环境糟糕,但我在那套公寓上投资的微薄的5800美元的毕生积蓄,仅仅两年后就卖了,回报是9万美元。如果你选择了正确的时机,即使是那些糟糕的地方也能让你变得富有。LNY世界播


Actually, the dirty carpet was a pretty easy fix. Once we got settled and were really tired of seeing the soles of our feet turn black simply from walking bedroom to kitchen, I hired a professional carpet cleaner and for $200 they cleaned the entire floor (around the furniture we couldn’t easily move) and it was just like new, no more black feet! LNY世界播

事实上,脏地毯很容易修好。一旦我们安定下来,真的厌倦了看着我们的脚底从一间卧室走到另一间厨房变黑,我雇了一名专业的地毯清洁工,他们花了200美元打扫了整个地板(围绕着我们不容易移动的家具),就像新的一样,不再有黑色的脚了!LNY世界播


I learned over the years through bad HOA experiences to just stay out of them. Some of the best investments I made were non-HOAs. There is always a risk of your neighbor doing something silly like painting their house purple, but who cares, for the freedom I get from those sons of HOA bitches, my neighbors can paint their house any color they want and dock a purple boat on their roof for all I care. It’s so great to be free from the BS and monthly fees! LNY世界播

多年来,我从糟糕的HOA经历中学会了置身事外。我做的一些最好的投资都是非住房抵押贷款。你的邻居总是有可能做一些愚蠢的事情,比如把他们的房子漆成紫色,但谁在乎呢,为了我从那些HOA婊子那里得到的自由,我的邻居可以把他们的房子漆成任何他们想要的颜色,并在他们的屋顶上停靠一艘紫色的船,这与我无关。不用交BS和月费真是太棒了!LNY世界播


A year after I made the mistake of selling, I learned the rental lesson. My savvy agent advised me to do the cash out refi on the house. Which I did and bought 3 small rentals. When my partner took the house, I took the rentals (she still got the better end of that) but it’s all what you make of it. I took those 3 rentals and turned them into 7 much better rentals, applying all the hard lessons I already learned. LNY世界播

在我犯下出售错误的一年后,我学到了租房的教训。我精明的经纪人建议我把房子重新套现。我照做了,买了3个小租房。当我的伴侣买下房子的时候,我拿到了租金(她仍然得到了更好的结果),但这一切都是由你来决定的。我把这3个租房变成了7个更好的租房,应用了我已经学到的所有艰难的教训。LNY世界播


I know the 1996 car argument will never win. I obviously needed transportation. It’s true I could have just stayed in a bicycle and saved a ton of cash even if I didn’t buy the first investment. But that lesson today gives me the motivation to make better spending choices. In 2007 during the housing bust, I was near bankruptcy, so I went back to riding a bike. Assuming that ditching the car and going back to bicycling saved me an average of $500 per month, it adds up to about $72.000 saved over the past 12 years, and thanks to that bike I've never been I better shape, and considering Hawaii's traffic it’s still probably the fastest ride in town. LNY世界播

我知道1996年关于汽车的争论永远不会赢。我显然需要交通工具。没错,即使我没有买第一笔投资,我也可以呆在自行车里,省下一大笔钱。但今天的教训给了我动力,让我做出更好的支出选择。在2007年房地产泡沫破裂的时候,我濒临破产,所以我又开始骑自行车了。假设放弃汽车,重新骑自行车平均每月为我节省500美元,那么在过去的12年里,总共节省了大约72.000美元,多亏了这辆自行车,我的身材变得前所未有地好,考虑到夏威夷的交通状况,它可能仍然是镇上骑得最快的。LNY世界播


It’s easy to argue in favor of a car until you realize what other wonderful things you can have if you find a way to live without one. So what did I do without a car? LNY世界播

支持一辆车是很容易的,直到你意识到如果你能找到一种没有车的生活方式,你还可以拥有其他什么美好的东西。那我没有车怎么办呢?LNY世界播


Well, I bought a house of course! LNY世界播

嗯,我当然买了房子!LNY世界播


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And then I did some travel, on a bicycle of course! LNY世界播

然后我去旅行了,当然是骑自行车!LNY世界播


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And I bought another house; LNY世界播

我又买了一栋房子;LNY世界播


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And ate whatever I wanted and stayed thin, because bicycling does that; LNY世界播

我想吃什么就吃什么,并保持苗条,因为骑自行车就能做到这一点;LNY世界播


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Bought another house; LNY世界播

买了另一栋房子;LNY世界播


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And traveled some more; LNY世界播

又走了更多的路;LNY世界播


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Left the bicycle home this time! LNY世界播

这次把自行车忘在家里了!LNY世界播


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And bought another house, but I lost that picture, so here is some more food porn. LNY世界播

又买了一栋房子,但我把那张照片弄丢了,所以这里有更多关于食物的色情图片。LNY世界播


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Should I stop now? LNY世界播

我现在应该停下来吗?LNY世界播


Here it is: THE BIGGEST MISTAKE I SEE PEOPLE MAKING IS NOT INVESTING BECAUSE THEY ARE SO INVOLVED WITH THAT STUPID CAR! LNY世界播

这就是:我看到人们犯的最大错误是不投资,因为他们太沉迷于那辆愚蠢的车了!LNY世界播


okay, up/downvote me now, cheers! LNY世界播

好了,现在支持/反对我,干杯!LNY世界播

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