Займ без отказа что это?

займы без отказа называют экспресс-кредиты от микрофинансовых организаций (МФО). Эти организации предъявляют достаточно простые требования к заемщику и одобряют практически каждую заявку, так как выдают небольшие суммы на короткий срок на карту, или наличными. Помимо лояльности к заемщику, экспресс-кредиты отличаются быстротой одобрения. Благодаря автоматической системе, которая обрабатывает заявку, решение принимается в течение 5-15 минут. Вся процедура происходит в онлайн режиме, сервисы работают круглосуточно, а деньги перечисляются на карту. Но необходимо учесть, что круглосуточные экспресс-займы – это один из самых рисковых видов кредитования для финансовых учреждений, поэтому процентная ставка здесь ощутимо выше, чем у традиционных банков и начисляется за каждый день пользования средствами. В целом, учитывая короткие сроки таких кредитов, переплата не ощутима, но, если вы не вернете долг вовремя, будет начисляться высокая пеня за просрочку.

If you are in a market house hunting you will have come across many of the descriptions listing details as below:

id-10017957“New Price”

“Price to Sell”

“Motivated Sellers”

“Bring an Offer”

“Buy Under the Market”

“Price Reduced”

“Lowest Neighborhood Pricing”

And so on….

What does this mean for a real estate market?  Has the real estate market bubble popped? Has economy slow downed or we are nose diving into housing crash?

I can’t speak for across the country but in the Northern Virginia area of the Fairfax & Loudoun, this has been a case for past month. We went from stable to a sluggish and slowest market. Inventory is on a rise.

Sellers are experiencing no or little showing appointments.  The rental market has equally cooled down.


Why the sudden shift in the real estate marketplace?

This may be due to various reason: The obvious I would say is fall market. Buyer and rental pool shrink during this time of the year. 

The biggest factor that influences housing market is the interest rate. However, the average interest rate has been remained unchanged or fluctuated by a small percentage.While the economic indicators are strong. Real gross domestic product (GDP) increased at an annual rate of 1.4 percent in the second quarter of 2016 according to the “third” estimate released by the Bureau of Economic Analysis. In the first quarter, real GDP increased 0.8 percent.

Virginia unemployment rate has been below national averages for a long time at 3.9%.

So what is holding back for a buyer to buy a home?

Uncertainty!! Even though many of us have learned over the years that election has no direct impact on our house market or local economy. It plays a psychological role.  DC Metro has the largest impact due to government contracts dependencies. With the uncertainty of what and how the election will impact our local market many of my home buyers in the Fairfax & Loudoun county of the Northern Virginia area are staying put or on the fence about buying or selling their home.

I personally think the biggest impact has been the 1st time home buyers and buyers who are willing to move up into a larger home. They are staying put in their current home. 

What are my thoughts as a local Real estate agent in Northern Virginia area?

Real estate is a long-term investment. You can wait and watch what happens with the election or wait till spring market. However, if you are going to be living in the house and want to take advantage of low interest that should be sufficient to entice you to purchase a home in the area. Again, real estate is not a short-term investment. 

If you are a buyer in the Northern Virginia Fall real estate market take advantage: sellers are very motivated to sell. If you find a home that meets your search criteria but may not have all the bells and whistles (cosmetic upgrades) negotiate the price. This is a time when you have an upper hand/leverage in the deal. Unless you cannot find a home in a location you are looking to purchase hold off your decision.

If you are home sellers in the Northern Virginia fall real estate market: Either stay put, offer aggressive price point or open the home for rent or sale and lastly if nothing works to take the home off the market and come back next year. 

Discuss your purchasing or selling option with your local expert.

Image by jscreationzs at FreeDigitalPhotos.net


By | 2017-09-11T11:29:41-04:00 October 5th, 2016|Tips for Buyers, Tips for Sellers, Virginia Real Esate Blog|0 Comments