• English
  • Español
AGENTS: Did you know you can share a personalized version of this post? Learn more!
,

Se ensancha la brecha entre la opinión del propietario de casa & el tasador

Se ensancha la brecha entre la opinión del propietario de casa & el tasador

En el mercado de la vivienda de hoy, donde el suministro está muy bajo y la demanda bien alta, el valor de las viviendas aumenta rápidamente. Uno de los desafíos principales en tal mercado es el tasador del banco.

Si los precios están aumentando, es difícil para los tasadores encontrar comparables de ventas adecuados (casas similares en el vecindario que cerraron recientemente) para defender el precio al realizar la evaluación para el banco.

Cada mes, Quicken Loans mide la diferencia entre lo que el propietario de casa cree que vale su casa comparado con la evaluación del tasador en su índice ‘Home Price Perception Index (HPPI)’. Aquí está la tabla mostrando esa diferencia en cada uno de los últimos 12 meses.

Appraisal Gap | Keeping Current Matters

La brecha entre el propietario de casa frente a la opinión del tasador se ha estado dirigiendo en una buena dirección (más cerca que nunca), hasta este último mes, cuando la brecha se amplió otra vez a 1.99 %.

En conclusión,

Cada casa en el mercado tiene que ser vendida dos veces; una a un posible comprador y entonces a el banco (a través del tasador del banco). Con la escalada de los precios, la segunda venta podría ser incluso más difícil que la primera. Si usted está planeando entrar al mercado de la vivienda este año, reúnase con un profesional experimentado que pueda guiarlo a través de esto, y cualquier otro, obstáculo que pueda surgir.


Miembros: ¡regístrese ahora y configure su Post Personalizado  & empiece a compartirlo hoy!

¿No es un miembro aun? Haga un clic aquí para aprender más acerca de la nueva función de KCM, Post Personalizados.

Have You Set Up Personalized Posts Yet? | Keeping Current Matters
6 comentarios
  1. Jack
    Jack Dice:

    The appraisal system is broken. Although there are many issues. One change that would help is to allow appraisers to use homes built under the following scenario as comparative ( aka comps) sales : an individual buys a lot then obtains a loan for the construction of a home on the lot. Currently, appraisal guidelines prohibit using this » assembled sale» as a comp. A huge portion of the custom and rural new home sales are not eligible for use as a comp because of this guideline.
    Also, the appraisal process needs to do away with fairly recent changes that make it likely that your appraisal will be done not by an appraiser with detailed local knowledge, but by an appraiser that is randomly assigned by a management company.

    Responder
    • William Cenci
      William Cenci Dice:

      Every case has a » but on the other side». I get to review several appraisals and I find the appraiser of choice is the one who «gets the deal done» . Often in my market if you give your opinion which is honest and unbiased the realtors want to use someone else who won’t kill a deal. The appraiser chosen off a approved list of appraisers can do their job and appraise versus meeting the predetermined target. I see several appraisals hit the number by the local until it’s reviewed and they didn’t use this sale or that sale and just forgot the basement was 100% finished. It always seems the correct way to select appraisers is if you happen to be the one getting chosen is a good thing.

      Responder
  2. Korina Chinchen
    Korina Chinchen Dice:

    The home owners are not the professionals, nor are the realtors in this matter, the appraisers are. This is a career that everyone thinks they can do. The appraiser is challenged constantly by everyone involved in the process. Rules and regulations by the federal and local governments are fierce. The educational and mentorship requirements in my state are vast, and very few are now entering the field. More regulations were placed on appraisers and lenders after the last crash, now there are AMC that add to the process costing the consumer and the appraiser money. In my opinion it is the realtor that needs more education and licensing restrictions/requirements to accurately inform the buyer/seller. It is easier to get a license to sell real easte than any other professional license. Unskilled realtor’s inflate the market and I guarantee there will be another crash.

    Responder

Dejar un comentario

¿Quieres unirte a la conversación?
Siéntete libre de contribuir!

Deja un comentario

Tu dirección de correo electrónico no será publicada. Los campos obligatorios están marcados con *