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.

Buyers remorse’s or a trendy term FOBO (fear of better options). 

frightened-1172122_1280As a home buyer whether you are a 1st time home buyer or moving up or downsizing in life, buyers are concerned about purchasing a wrong home or finding a better home after they buy a home.

Especially during a slow season when the inventory is low many of the home buyers are apprehensive about making a decision what happens if they find a better home in spring market? Or something better comes up after the holidays.  For our new construction home buyers, they have FOBO about a resale home that pops up in the market while their home is still under construction. 

For our new construction home buyers, they have FOBO about a resale home that pops up in the market while their home is still under construction. Or builder offers better incentives. 

I can go on and on about the list of anxiety/fear a buyer go through during the home buying process. 

Why do buyers overkill them with FOBO?

The biggest reason we doubt our self is knowing it will be a biggest financial decision. Once you buy a home you can not just turn around and sell it or give it away. Divorce may be easier than selling your home due to market uncertainty.  

How do you avoid FOBO feeling?

Just like any other purchase do your due diligence AKA your homework.

From knowing what features you want in the home, term you want to stay in the home, location, what you are willing to compromise, hire inspector once your contract is accepted, learn everything from the home inspector about the potential issues the home may have in short and long run, how to maintain equipment, understand your mortgage qualification and best advice I can give you is stay within your realistic budget. 

If you exceed your budget you will be under stress and have an anxiety and regret about your buying.  

What can you help to ease the feeling of FOBO?

If you find a home you think you want to buy, sleep on your decision before making an offer. If necessary visit the home during another day or time of the day. See if you still love the home as much as you lived when you 1st walked in.

If the home you want does not meet 80% of your checklist move on. You can wait for another home.

 Just like everything in life, you will have to make a decision and live with it. Your local real estate agent may help you refine your search criteria and guide you through the home buying process. Ultimately the decision is yours!!


By | 2017-09-11T11:29:29-04:00 December 7th, 2016|Tips for Buyers, Tips for Sellers, Virginia Real Esate Blog|0 Comments