Freddie Mac reports a decline in the 30-year fixed mortgage rate to 5.78 percent during the week ended Sept. 18 from 5.93 percent the prior week, marking the lowest level in seven months.
During the same period, the 15-year mortgage rate dropped to 5.35 percent from 5.54 percent.
Meanwhile, interest on five-year adjustable mortgages slipped to 5.67 percent from 5.87 percent; and the one-year ARM slid to 5.03 percent from 5.21 percent.
Friday, September 19, 2008
Saturday, September 6, 2008
Life Is...One Long Negotiation
Slow market...You are never going to find more affordable choices.
Improving market...I'd suggest offering closer to list price.
Buyers...Yes, I think the sellers will accept this price if you close in 30 days.
Sellers...No, I really can't reduce my commission that much.
Parents...What will it take to get you to clean up your room?
Children...Please, I just have to stay out pas midnight this one time.
最近帮客户讨价还价比较多。 毕竟是buyer's market, 每个人都squeezing hard to get the best deal. 我觉得讨价还价的一个关键是你要知道你的底线， 然后坚持这个bottom line. 只有这样你去讨的时候才能有底气。 另外也要研究清楚对方的底线，知道对方的goal和motivation。 这样成功率也会高一些。 不过说到底，能不能成功，还是由市场决定的。还有一点很多人都没有意识到就是，第一次没有成功没有关系，等一等，再试一下。
我觉得有些人天生就是个好的谈判者，不会紧张，不会露底，从和对方的谈话中就能听出一个以丑丁卯来。 所以说，negotiate这个事，也是需要有天赋的还。
Improving market...I'd suggest offering closer to list price.
Buyers...Yes, I think the sellers will accept this price if you close in 30 days.
Sellers...No, I really can't reduce my commission that much.
Parents...What will it take to get you to clean up your room?
Children...Please, I just have to stay out pas midnight this one time.
最近帮客户讨价还价比较多。 毕竟是buyer's market, 每个人都squeezing hard to get the best deal. 我觉得讨价还价的一个关键是你要知道你的底线， 然后坚持这个bottom line. 只有这样你去讨的时候才能有底气。 另外也要研究清楚对方的底线，知道对方的goal和motivation。 这样成功率也会高一些。 不过说到底，能不能成功，还是由市场决定的。还有一点很多人都没有意识到就是，第一次没有成功没有关系，等一等，再试一下。
我觉得有些人天生就是个好的谈判者，不会紧张，不会露底，从和对方的谈话中就能听出一个以丑丁卯来。 所以说，negotiate这个事，也是需要有天赋的还。
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