{"id":3948,"date":"2023-03-14T18:32:17","date_gmt":"2023-03-14T18:32:17","guid":{"rendered":"https:\/\/heideinternati.wpengine.com\/?page_id=3948"},"modified":"2023-03-14T18:35:27","modified_gmt":"2023-03-14T18:35:27","slug":"como-os-telhados-afetam-uma-venda-2","status":"publish","type":"page","link":"https:\/\/heideinternational.com\/pt\/como-os-telhados-afetam-uma-venda-2\/","title":{"rendered":"Como os telhados afetam uma venda"},"content":{"rendered":"
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Como os telhados afetam uma venda<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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N\u00e3o deixe que um telhado impe\u00e7a a compra ou venda de sua casa<\/strong><\/p>

\u00a0Os custos do seguro residencial na Fl\u00f3rida est\u00e3o subindo muito, por assim dizer... As seguradoras est\u00e3o optando por n\u00e3o fazer seguro ou est\u00e3o cobrando taxas altas de casas cujos telhados, embora intactos, t\u00eam mais de 20 anos. Os vendedores n\u00e3o querem substituir um telhado que est\u00e1 em boas condi\u00e7\u00f5es e n\u00e3o apresenta vazamentos e os compradores n\u00e3o querem pagar os custos exorbitantes do seguro, se \u00e9 que conseguem obt\u00ea-lo. Portanto, as vendas de casas est\u00e3o caindo aos peda\u00e7os. Outra op\u00e7\u00e3o \u00e9 financiar o custo de um novo telhado na hipoteca. Digamos que uma casa esteja avaliada em $800.000. Precisa de um novo telhado: $45.000. O vendedor pode concordar com uma redu\u00e7\u00e3o de pre\u00e7o de $45.000 para cobrir o custo de um novo telhado e podemos fechar o neg\u00f3cio usando uma hipoteca de restaura\u00e7\u00e3o e reabilita\u00e7\u00e3o. Esses empr\u00e9stimos permitem o fechamento ANTECIPADO do reparo do telhado. Assim, os compradores podem se mudar e o vendedor pode sacar o dinheiro e sair como qualquer outro fechamento antes da conclus\u00e3o do novo telhado.<\/p>

Se o vendedor n\u00e3o quiser reduzir seu pre\u00e7o, o comprador tem a op\u00e7\u00e3o de prosseguir adicionando o custo do telhado ao valor do empr\u00e9stimo. Isso n\u00e3o afeta o valor do empr\u00e9stimo, desde que o valor total do empr\u00e9stimo n\u00e3o exceda 95% do valor futuro total da resid\u00eancia. Portanto, em outras palavras, a avalia\u00e7\u00e3o leva em considera\u00e7\u00e3o o valor da resid\u00eancia ap\u00f3s a instala\u00e7\u00e3o do telhado. Assim, \u00e9 mais f\u00e1cil obter o seguro, pois a seguradora permitir\u00e1 uma ap\u00f3lice de risco de constru\u00e7\u00e3o que pode ser convertida em uma ap\u00f3lice padr\u00e3o assim que o telhado for conclu\u00eddo ou emitir\u00e1 uma ap\u00f3lice antes da conclus\u00e3o do telhado, exigindo inspe\u00e7\u00e3o. O pr\u00eamio da nova ap\u00f3lice \u00e9 ent\u00e3o avaliado considerando o novo telhado, permitindo descontos para telhados novos. Assim, todos saem ganhando.<\/p>

Deve-se observar que um mutu\u00e1rio que der uma entrada de 20% n\u00e3o precisar\u00e1 pagar seguro hipotec\u00e1rio, mesmo quando o custo do novo telhado elevar o valor combinado do empr\u00e9stimo para o m\u00e1ximo de 95%. H\u00e1 algumas etapas adicionais com esses tipos de hipotecas, pois s\u00e3o de natureza semelhante ao financiamento de empr\u00e9stimos para constru\u00e7\u00e3o, portanto, precisaremos da aprova\u00e7\u00e3o do seu telhado e do contrato de constru\u00e7\u00e3o durante o processamento do empr\u00e9stimo. Isso \u00e9 semelhante ao financiamento de condom\u00ednios, em que precisamos obter a aprova\u00e7\u00e3o do complexo de condom\u00ednios. Em vez disso, precisamos da aprova\u00e7\u00e3o do empreiteiro. Seria prudente ter um telhadista pronto e aprovado antes do contrato para que o comprador saiba o custo da substitui\u00e7\u00e3o do telhado no in\u00edcio. Isso tamb\u00e9m agilizar\u00e1 o processo de aprova\u00e7\u00e3o do telhadista por um credor durante a fase de processamento da hipoteca. Se quiser saber mais sobre essa ou outras ideias de financiamento hipotec\u00e1rio que economizam neg\u00f3cios, acesse as postagens do meu blog e surpreenda-se. Depois, entre em contato comigo.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

How Roofs Affect A Sale https:\/\/www.youtube.com\/watch?v=Eou7YjdqwWw Don\u2019t Let a Roof Kill Your Home Purchase or Sale \u00a0Florida homeowners\u2019 insurance costs are going through the roof, so to speak\u2026 Insurance carriers are choosing not to insure or are charging high rates on homes whose roofs, though intact, are more than 20 years old. Sellers don\u2019t want […]<\/p>","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-3948","page","type-page","status-publish","hentry"],"yoast_head":"\nHow Roofs Affect A Sale - Heide International LLC<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/heideinternational.com\/pt\/como-os-telhados-afetam-uma-venda-2\/\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Roofs Affect A Sale - Heide International LLC\" \/>\n<meta property=\"og:description\" content=\"How Roofs Affect A Sale https:\/\/www.youtube.com\/watch?v=Eou7YjdqwWw Don\u2019t Let a Roof Kill Your Home Purchase or Sale \u00a0Florida homeowners\u2019 insurance costs are going through the roof, so to speak\u2026 Insurance carriers are choosing not to insure or are charging high rates on homes whose roofs, though intact, are more than 20 years old. 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