Home    5 lý do nên cân nhắc khi mua nhà cuối năm

Cuối năm liệu có phải là thời gian phù hợp để mua nhà? Cùng xem qua 5 lý do đúc kết từ kinh nghiệm thực tế của các nhà đầu tư.

1. Giảm được sự cạnh tranh

Tâm lý thông thường rất ít người nghĩ tới chuyện mua nhà vào cuối năm. Họ cho rằng mua nhà là việc hệ trọng cần thời gian dài tìm hiểu và ra quyết định. Vào dịp cuối năm người Việt thường có tâm lý tích lũy tài chính chuẩn bị lễ tết đón năm mới và cũng thật sự bận rộn cho việc này.

Thời điểm này cũng là lúc các công ty, doanh nghiệp cực kỳ bận rộn với những báo cáo cuối năm cũng như kế hoạch phát triển năm sau, các nhân sự cũng bận rộn không kém. Nhưng bạn nên đi ngược với suy nghĩ của số đông. Theo lời khuyên của các chuyên gia bất động sản, lúc này bạn sẽ giảm được sự cạnh tranh và việc mua nhà sẽ thuận lợi thậm chí sẽ tốt hơn do mức độ cạnh tranh giảm.

2. Thuận lợi cho thương lượng giá cả

Khi mà rao bán một món đồ được ít người chú ý đương nhiên người bán sẽ thực sự để tâm tới những khách hàng muốn mua. Như vậy điều này tạo thuận lợi cho bạn dễ dàng thương lượng.

Chủ nhà thoải mái hơn cũng là yếu tố tạo thuận lợi khi mua nhà cuối năm

Chủ nhà có khuynh hướng thoải mái hơn khi muốn bán nhà nhanh đón năm mới

Năm hết tết đến người Việt không thích để mọi việc dang dở sang năm mới. Người bán thực sự muốn bán, nhất là những người đang gặp khó khăn về tài chính như trả nợ, đáo hạn hoặc họ muốn đổi căn nhà khang trang hơn. Gặp những khách hàng này bạn sẽ không phải tốn quá nhiều thời gian để đi lại và thương lượng.

Hơn thế hiện nay nguồn cung bất động sản vượt cầu khá nhiều, nhờ đó giá cả sẽ được điều chỉnh ở mức thuận lợi cho người mua. Thời điểm cuối năm rất nhiều dự được bung ra đây là cơ hội lớn để bạn chọn lựa. Cung lớn trong khi cầu chững lại, do đó các nhà đầu tư muốn kích cầu sẽ giảm giá, khuyến mãi… thuận lợi cho người mua.

3. Được tư vấn kĩ lưỡng hơn và hưởng nhiều khuyến mãi

Khi mà thị trường hạ nhiệt, cuối năm việc mua bán bất động sản sẽ đỡ nhộn nhịp hơn, lúc này bạn tìm đến sẽ được nhân viên mô giới chăm sóc kĩ càng cẩn thận. Họ sẽ tích cực hơn trong việc tìm ngôi nhà phù hợp với các yêu cầu của bạn. Đồng thời cũng sẽ không tiếc thời gian để tư vấn giải thích cho bạn.

Bên cạnh đó để kích cầu và dịp cuối năm các dự án mở bán thưởng đưa ra các phương thức khuyến mại tặng quả, chiết khấu cao…Đầy rẫy các lời mời chào hấp dẫn như mua nhà tặng vàng, mua nhà được tặng thêm nhà, ô tô… Đây đúng là cơ hội tuyệt với mà bạn nên nắm bắt lấy phải không nào.

4. Dễ dàng kiểm tra hiện trạng căn nhà

Căn nhà là nơi dùng để che nắng và che mưa. Cuối năm cũng là dịp đông đến đây là thời điểm tốt nhất để thử thách mức độ chịu đựng và chắc chắn của ngôi nhà. Những vấn đề của nó sẽ dễ dàng bộc lộ do đó giúp bạn kiểm tra được hiện trạng ngôi nhà  chính xác nhất. Nắm bắt được yếu điểm giúp bạn quyết định mua hay không và đây cũng cơ hội  để bạn thương lượng, giảm giá .

Kiểm tra nhà vào dịp cuối năm cũng có những thuận lợi rất riêng với những khu vực thời tiết thay đổi rõ rệt.

Kiểm tra nhà vào dịp cuối năm cũng có những thuận lợi rất riêng với những khu vực thời tiết thay đổi rõ rệt.

5. Thuận lợi về tài chính

Mua nhà không chỉ liên quan tới mô giới và chủ nhà mà còn liên quan đến nhiều dịch vụ khác như ngân hàng, dịch vụ kiểm định, dịch vụ chuyển nhà, dọn nhà… Cuối năm ngân hàng đẩy mạnh dịch vụ giải ngân cho vay vốn. Tạo điều kiện thuận lợi cho vấn đề chuẩn bị tài chính. Cụ thể như HSBC cho vay ưu đãi lãi suất 6,49% khi mua xây nhà còn BIDV lãi suất chỉ có 7,1%/ năm cho 6 tháng đầu tiên hoặc 7,6% cho 1 năm đầu… Ngoài ra với những khoản thu, thưởng vào cuối năm xem ra đây là dịp thuận lợi về tài chính mà bạn nên vận dụng.

Những lưu ý khác khi mua nhà cuối năm

Thuận lợi rõ ràng là có khá nhiều. Tuy nhiên cẩn thận và cân nhắc kỹ vẫn chưa bao giờ là thừa. Một số lưu ý để việc mua nhà cuối năm luôn thuận lợi và an toàn bạn cần biết là:

  • Không hoa mắt trước các khuyến mại, ưu đãi hấp dẫn. Dù đó là lợi thế cho việc mua nhà cuối năm, song bạn cần tỉnh tảo để lựa chọn chủ đầu tư uy tín đảm bảo ưu tiên giá trị cốt lõi của ngôi nhà và cơ sở pháp lý của dự án. Vì thế dù cần thiết nhưng không được vội vàng mà phải nghiên cứu kỹ lưỡng.
  • Đừng để mắc bẫy trước việc sốt giá, tăng giá vào cuối năm bởi đó chỉ là hiện tượng cục bộ. Rất có thể việc tăng giá chỉ là tăng ảo của thị trường. Nên cân nhắc mức giá bán tại các khu vực lân cận, tìm hiểu lịch sử giá cả khu vực, thông tin quy hoạch và tìm kiếm hỗ trợ từ chuyên gia trước khi quyết định xuống tiền mua các bất động sản giá cao.
  • Cẩn thận trước các chiêu trò khi mua trả góp. Một số dự án sẽ tung ra mức lãi suất hấp dẫn những năm đầu như 0%, tuy nhiên, bạn cần hỏi rõ nhân viên tư vấn ngân hàng làm thủ tục cho vay rằng biên độ lãi suất những năm sau sẽ thay đổi như thế nào: cố định hay thả nổi theo thị trường lãi suất cho vay mua nhà? Nếu thả nổi theo thị trường thì có hạn định mức lãi suất trần không?
  • Mua nhà tại quận 7 cuối năm rõ ràng là một cơ hội lớn với nhiều thuận lợi. Tuy nhiên, để tận dụng được những thuận lợi này một cách triệt để người mua vẫn phải cảnh giác và cẩn thận. Xem thêm 12 lưu ý khi xem và mua nhà hoặc mục Hướng dẫn mua bán bất động sảntrên Rever.

 

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