"Subject To" Real Estate Deals Explained"在"房地产交易解释
 

"Subject To" real estate financing is fairly new on the real estate investing scene, mainly because many investors don't know what it is."在"房地产融资比较新的房地产投资现场主要是因为很多投资者不知道它是什么.

"Subject To" financing actually can be a win-win situation for both the seller and the buyer/investor if both parties understand their obligations to one another."除"融资其实可以双赢为卖方和买方/投资者如果双方了解另一项义务. The seller usually gets to sell his/her property at the asking price which was originally sought, and the buyer/investor usually gets the property with very little money down, if any, while not having to qualify for any bank loans.卖方通常盘整出售他/她的财产原本要价寻求而买方/投资者通常都会用很少的钱下来的财产,如有虽然没有任何银行贷款资格.

We know, that traditional real estate investing is mainly about buying low and selling high, and making a profit from that difference, usually over time.我们知道,这主要是对传统的房地产投资和低买高卖,而从这个差别赚钱,通常一段时间. There's absolutely no secret to that.有绝对没有秘密的. While doing it this way, of course, you would incur all the paperwork and everything else that goes along with buying and selling a home like paying all the transaction fees that are involved like commissions, closing costs, title, recording fees and of course your time.虽然这样做,当然你要花费所有的文章和一切随买卖家一样付出所有的交易费用,如涉及佣金,关闭成本,标题、录制费用,当然你的时间. On an average, the whole process usually takes a month and a half up to six months depending on the situation.平均整个过程通常需要一个半月至六个月视乎情况.

Creative financing, or "other than" traditional and/or conventional real estate investing, is basically working out an agreement that is fair both the seller and the buyer, without using banks or mortgage brokers.创造性融资,或"以外"的传统和/或传统房地产投资、拟定一项协定,基本上是公平的卖方和买方用银行或抵押经纪人. By incorporating this type of financing, the sellers can sell their property for the price they want, and in a timely fashion.把这种融资,卖方可以出售的价格,他们希望他们的财产,而及时. The buyer/investor can create an environment for him/her to profit in some manner over a period of time.买方/投资者可以创造一个环境他/她在一些地获利一段时间.

By leaving out the usual suspects like title companies, real estate agents and loan officers, both parties stand to make the transaction more profitable for the buyer/investor and more cost effective for the sellers.嫌犯平日喜欢留出公司名称、房地产代理商、信贷人员、双方立场做出更有利可图的交易买方/投资者更具成本效益的卖方. Specifically this can be real profitable for the real estate investor because in any type of investing, and especially in real estate, it's about leverage.这可真具体的房地产投资者有利可图,因为任何类型的投资,特别是房地产的事,是杠杆. The leverage is what makes creative financing a powerful, profit-making tool for those looking to start a real estate investing business.财务杠杆是什么使得一个强大的创作、牟利的工具,开始了寻找投资房地产业务. The leverage is usually represented by how much money you put into a certain investment, and how much you make from that amount over time.杠杆通常代表你多少钱投入某投资你从多少金额超过时间. "Subject To" deals make your leverage extremely high, since most of the time you place a small amount of cash, for usually a much lager return."除"交易杠杆你极高,由于大部分时间地点你少量现金,通常多环节的利润.

Let's go over a sample situation which would create an ideal environment for a "Subject To" agreement.我们去了,会创造一个理想的状况抽样环境"为主题的"协议.

Debbie and Joe Blume bought their house five years ago for a $100,000 dollars.买房子、宇宙兰运算五年前为100,000美元. After 5 years, they now owe about $95,000 dollars, while their house is appraised for $160,000 dollars.5年后,他们现在欠约95,000美元,而其家鉴定为十六万美元. Both Debbie and Joe have accumulated a credit card debt of about $20,000 dollars since that time, and of course, the interest on that debt is much larger than they really care to have.无论运算、阴沉信用卡债务累积了约20,000美元自那时以来,而当然,债务利息,要远远大于他们真的有照顾.

Joe and Debbie take out a second mortgage to pay off their credit card debt, take a vacation and buy a new car.二、宇宙运算购买抵押偿还信用卡债务放假,购买新车. With their second mortgage, they do all those things and have about $10,000 leftover, after everything is done.其第二按揭,他们所有的东西都约10,000遗物后做每件事. After 7 short months, most of that $10,000 is gone also.短短7个月后,多数也走了,万元.

Shortly after this, Joe receives an offer within his company for a higher paying position, but in a different State.不久以后,宇宙公司接到要约他付出更高的位置,但在不同的国家. Joe and Debbie talk it over, and decide to take the offer and move out of State.阴沉来谈,并运算,并决定采取要约、迁出状态. Of course, deciding to do that, they must now sell their beautiful home.当然,在决定这样做,他们现在必须出售其美丽的家园.

Like so many of us, when we look to sell our house, we think logically and talk to a real estate agent.像我们这么多人,如果看我们的房子出售,我们认为从逻辑上说,一个房地产经纪人. The agent informs them that there is little to no equity left in the house, and tells the Blume's that they will have to pay the agent's commissions out of pocket.代理人告知他们,并没有什么不公平的左楼并告诉兰的,他们将付出代理人的佣金出口袋. Of course, Joe and Debbie can't do that, because they ran out of money and are basically living paycheck to paycheck until the new job starts.当然,阴沉、运算办不到,因为他们逃出来的钱,基本上生活记忆裂痕记忆裂痕,直到新的就业基地.

Joe starts to worry a bit, because he needs to get to his new job out of State, within 14 days, and Joe and Debbie would like to spend a few days off together before going to his new job.宇宙开始有点担心,因为他需要新的工作中去了国有、14天内,而宇宙和运算想花过几天才一起前往他的新工作.

Joe starts to think and remembers a "We Buy Houses" sign down the street from their home and runs down and calls the number on his cell phone.宇宙开始思考和回忆,"我们买房子",签了下来,并主持他乡街他并呼吁有多少手机. After talking with the investor, Joe finds out that the investor isn't will to pay more than $120,000 for the house.经过沟通,投资者、宇宙发觉投资者将付出不超过12万元的房子. Hearing that, Joe is mad and upset that such a person can come in with such a low and insulting offer.听到这话,宇宙是疯了方寸,这样的人能在这么低的侮辱投标. Besides Joe couldn't do that deal anyway because the second mortgage they took out last year, places their debt just about what the house is worth.此外,宇宙不能因为反正第二按揭对待他们掏出去年地方债务刚一下房子值得.

Getting worried and running out of time, Joe places an ad in the local newspaper advertising the house as a "For Sale By Owner".越来越担心,时间非常紧迫,阴沉的地方,在当地报纸广告是以众议院为"出售老板".

Mostly everyone is trying to low ball him except for one guy who said "he will offer the asking price, so long as he can see the place first".大多人人争球低谁说他除了一家伙",他会让开价只要他看到第一广场". Feeling excited and curious at the same time, Joe invites the man over.兴奋和好奇的心情在此同时,邀请阴沉男子.

A couple of hours later, Brad comes over and tells Joe that he is the one who called about the house.几个小时后,布拉德过来,并告诉他是宇宙那个叫约90%. Brad tells Joe to explain to him a little about the house and his situation.布拉德告诉向他解释宇宙一下房子,他的情况.

Joe spills his guts and describes his dilemma to Brad.他形容他的勇气和宇宙溢漏两难布拉德. After Joe finishes his story about his situation, Brad tells Joe that he thinks he can still offer the asking price and if Joe was still interested in selling?宇宙描写他忙完后局势布拉德告诉他,他认为宇宙可以提供的要价,如果宇宙仍然兴趣卖?

But before they start agreeing any further, Brad says, that as an investor, that his primary motivation to make a profit on the house.但是才答应再开始,布拉德说,作为一个投资者,其主要动机是赚钱的房子. Joe and Debbie understand that, so long as their asking price is met and the house is sold quickly.宇宙与运算明白,只要是符合他们的要价并很快卖出房子.

Brad continues and tells both Joe and Debbie that because of his need to make a profit, he needs to offer an agreement which will satisfy both their needs.布拉德仍然和宇宙都告诉他,因为运算需要赚钱,他需要提供双方达成协议,这将满足他们的需求. Brad continues and says "That offer is what's called a Subject To" offer.布拉德继续说:"这是什么提供的题目叫"提供. Of course bewildered and confused, Debbie and Joe ask what kind of program is that.当然茫,茫茫宇宙问及运算程序是什么样的. Brad simply states, that it's a program that suspends both their money for the house and his profit on the house for 2 years, while Brad takes over the payments.布拉德根本国它的节目都停了,房子的钱为自己牟利,并于2楼70年,布拉德接管费. Not fully understanding, Joe continues to listen to Brad's offer.没有充分认识,继续听取布拉德阴沉的投标.

Here's what it entails:这里的内容是什么:

>keep the current mortgage in place for 2 years, at which time the house will be sold, and Joe's originally asking price will be met, plus 5% of whatever profit is made by Brad>保持现行按揭到位2年,届时将房子出售而阴沉的会晤将原先要价,加上5%的利润是由什么布拉德

>escrow account is setup and paid by Brad to ensure full integrity of his contractual agreement with Joe>的格局和代管帐户支付布拉德确保全面完整的合约,他与Joe
and Debbie与运算

>property is claimed over to Brad which obligates Brad to continue making the existing payments to the escrow account.>所称财产交给布拉德其中规定布拉德继续使现有代管帐户付款. The deed will stay in the attorney's presence until the deal is fully obligated by Brad in 2 years检察长留契约的存在,直到完全解决的责任,在2年内布拉德

>relieves Joe and Debbie of the monthly debt for the mortgage payment so they can move on with their life>免除运算和宇宙的每月支付的房贷债务,让他们有机会与他们对人生

>Brad offers to pay closing cost and 2 months of mortgage payments to the escrow account to solidify his offer and his intentions to make good on the contract>布拉德闭幕支付费用和提供2个抵押金代管帐户巩固其提供他兑现合同意向

After discussing the deal with each other and realizing that their options and time are running low, both Joe and Debbie agree with Brad over the details and sign over the deed to Brad via the attorney.经过讨论对付对方的选择和实现时趋紧,双方同意布拉德运算和宇宙的细节,并签订了协议,对经检察布拉德.

Brad then quickly rents out the house to cover the mortgage payments and manages the house as a rental.布拉德然后迅速支付租金的房子抵押金和管理作为出租房子.

Two years later, Brad sells the house for $210,000 and pays $160,000 dollars to Joe and Debbie's mortgage company, plus sends Joe and Debbie a check for %5 of the $50,000 dollar profits, which is $2,500.两年后,布拉德变卖房子和21万元,并支付160美元宇宙运算的按揭公司再加派莫及运算一成五的支票50,000元的利润,这是2,500元. Everybody wins!大家赢!