세컨드 홈으로 업그레이드하기: 형평성, 우발 상황 및 협상

### 주택 업그레이드를 위한 비상 계약 및 지분 탐색하기
* 🏠 두 번째 주택으로 업그레이드할 때 현재 주택의 자산을 사용하지 않고 **계약금 20%를 마련하는 것**은 종종 어려운 일입니다.
* 📝 현재 집을 팔아야만 구매가 가능한 조건부 계약은 **경쟁이 치열한 시장**에서는 매력도가 떨어질 수 있습니다.
* 💰 적절한 실사 없이 서둘러 구매하지 않는 것이 중요하며, 이는 **부동산을 잃는 것**을 의미하더라도 마찬가지입니다.
* 🔍 최근의 주택 열풍 이후 대부분의 시장에서 **실사 및 감정 요건이 정상**으로 돌아갔습니다.
* 🏠 거래를 사용자 지정하면 **현재 집을 팔고 새 소유주에게 일시적으로 다시 임대**하는 등의 문제를 해결하는 데 도움이 될 수 있습니다.
* 💡 " 이 모든 것이 **우발적인 문제를 해결할 수 있는 실행 가능한 옵션**입니다.
* 🏦 "다른 집을 팔았다는 사실을 알기도 전에 집을 사기로 약속하는 상황에 처하고 싶지 않을 뿐입니다."

주택을 업그레이드하는 대부분의 사람들은 20%의 계약금으로 자기 자본을 사용하며, 우발 계약은 어렵지만 맞춤형 솔루션이 존재합니다.

[Music] Ready for Wade's question. Yes, ma'am. Wade says for upgrading from a starter home, you guys suggest 20% down. Can that come from equity? I've been told that contingent contracts are hard to get accepted. Reaching 20% without equity is going to be rough. What do you think? I think that you're right on that second part. A lot of folks when you're trying to upgrade when you're moving into your second home, it's really difficult to save 25% for the future service your current mortgage and still build up cash for a 20% down payment. So most folks, and this is not based on analytical study, this is based on anecdotal evidence. Most folks when they go to upgrade, they have to use the equity from their prior home to be able to put money into the second home to be able to afford it. The question becomes timing because you did say something Wade, contracts can be written in such a way. I'm going to buy

this house contingent upon me selling my other one. That's called a contingency contract. Well, we have come through such a hot housing market that perhaps as a buyer, having a contingency made you less attractive. Does that mean that you should go do something risky like go ahead and commit to buying the house without a contingency? I don't think so. I think that's going to put you in a bad spot. What I would say is you just got to figure out what works and how you can negotiate this real estate transaction that maybe you're not the most attractive cash buyer, but you can't fudge it and pretend like you are, or else you're going to get yourself in a bad spot that you don't want to be in. Wait. I'll just tell you, look, we just came through a housing market that was very unique. It wasn't just the fact that contingent contingency contracts went away. It was also that due diligence and appraisal requirements went away. People lost their absolute mind during that market. I mean to buy a sight.

unseen without due diligence without care about appraisal just shows how we we kind of lost the plot to a degree. I have fortunately I don't think that that's necessarily the case now you might live in a a market where it's harder but I still know that um from from what I've seen and even some of those hot markets due diligence is fully back now. Now you can actually run an inspection period you can actually bring in the home inspectors you can actually require appraisal requirements um and I think contingency contracts are back to a degree too so don't let somebody try to because look real estate agents love to not have the contingency in there because that's a lot less work and that's not picking on I love real estate agents but I'm just saying that it's it obviously makes it a lot less complicated if you're willing to just um go out there and and sign a full contract without all that stuff built into it but I'm just telling you from a financial standpoint cuz houses are some

of the biggest debt and assets that you're going to be dealing with. So we just want to make sure you're in a safe place um and don't get yourself in trouble. But here's what's beautiful about housing transactions: they can all be customized. So let's say that you are in that like super hot housing market where contingencies aren't a thing. Maybe what you can do is you go ahead and sell your home. And depending on how small or large your footprint is, you rent something short-term while you try to find the house that you're going to buy and move into. Or maybe you could even sell your home and rent it back from the purchaser. All of these things are viable options that might be able to solve that contingency problem. You just don't want to get yourself in the situation where you commit to buy a home before you know that you've sold the other home. And all of a sudden you got two houses, two mortgages, and two uh-oh you got to figure out really really

Can the 20% Down Payment Include Equity from Our First Home?

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세컨드 홈으로 업그레이드하기 위해 에퀴티 사용

대부분의 사람들이 현재 소유하고 있는 주택의 자산을 사용하지 않고 두 번째 주택의 계약금 20%를 모으는 것은 어려운 일입니다.

특히 주택 시장이 과열된 상황에서 새 주택 구입을 위한 비상 계약은 이 과정을 더욱 어렵게 만들 수 있습니다.

최근의 독특한 주택 시장 상황으로 인해 비상 계약, 실사 및 감정 요건이 사라지면서 상황이 더욱 복잡해졌습니다.

부동산 거래에서 실사의 중요성

이제 부동산 실사가 본격적으로 시행되어 주택 실사를 실시하고, 주택 검사관을 불러오고, 감정평가를 요청할 수 있게 되었습니다.

구매자를 위한 안전망을 제공하는 비상 계약도 다시 등장하고 있습니다.

집을 먼저 팔고 새 집을 구입하기 전에 임대를 하는 등 맞춤형 주택 거래는 과열된 주택 시장에서 우발적인 문제를 해결하는 데 도움이 될 수 있습니다.

죄송하지만 요약할 구체적인 주제나 텍스트가 필요합니다.