売却は「売却理由」と「取引の流れ」が大切
Selling a home is an important life event, on par with buying a home. Unless you are very familiar with real estate, everyone will be confused by the first time. In order to sell successfully, you need to clarify the reason for selling and make a plan after preparing in advance.
まずは売却する理由を明確に
The first thing you should do when selling your home is to clarify the reason for selling. It may seem obvious, but clarifying the reason will change the policy afterwards.
For example, if the reason is "I want to move because I have more children," then you need a larger house than your current one. On the other hand, if the reason is "I want to move because my children have become independent," then you will want a house that is suitable for a couple to live together. There are various other reasons for moving, such as "U-turn," "I-turn," and "aging of the home."
By sorting out your reasons in this way, you will be able to see the lifestyle you want after selling your home. Once you have a clear idea of your lifestyle, you will be able to make a rough plan for when to sell, how much money you will need, etc.
売却前に確認すべきポイントは三つ
Once you have a clear reason for selling, you can create a more specific selling plan. There are three points you should check.
[Time to buy a new home]
When moving, the approach will differ depending on whether you sell your current residence or buy a new one first.
If you sell first, it will be easier to plan your finances. You can use the planned selling price as a basis to secure any shortfalls in funds and determine the planned purchase price of your new home. However, it is not always possible to move into your new home immediately after selling. Considering the time lag between selling and purchasing, you should also remember to make arrangements for temporary housing.
On the other hand, if you purchase your new home first, you can choose a property with more leeway because you don't have to worry about a temporary residence. However, financial planning may become difficult. You need to be especially careful if you still have a mortgage on your current home. If the cash on hand (sale price minus remaining mortgage balance) is far from the price of your new home, you will have no choice but to give up on the purchase.
As such, keep in mind that the difficulty of property selection and financial planning will change depending on when you sell and buy.
[Market selling price]
The price of a home can fluctuate depending on the time of the transaction. First, set a rough price for the property you want to sell at and compare it with the actual market price. You can find out the market price for real estate in the following ways.
・Use the bulk appraisal service of a real estate information site
・Search for properties with similar conditions on a real estate information site
・Use Rains Market Information
The bulk appraisal service allows you to receive a simple appraisal based on the data set by the real estate company. Also, REINS Market Information is a website for checking the prices of real estate bought and sold in the past year. REINS in particular allows you to check market trends for the past two years in graphs, making it easier to grasp market trends.
[Various costs associated with selling]
The main costs involved in selling a home include:
<Brokerage fee> ... Fee paid to the real estate company you have requested to sell your home
<Stamp tax> ... Stamp fee affixed to the sales contract
<For canceling a mortgage> ...If there is an outstanding balance on a home loan and a mortgage has been established, a cancellation registration is required, which will incur registration tax plus the fee to hire a judicial scrivener.
<Surveying costs> ... Actual survey costs when transferring land
<Taxation on capital gains> …Income tax and local resident tax levied when the selling price is greater than the purchase price
<Moving expenses and other> ...Moving expenses, temporary housing expenses before moving, disposal expenses for unnecessary items, etc.
Make sure to account for these expenses and include them in your financial plan.
流れを理解してスムーズな売却を
Let's take a look at the process of actually selling a home. Selling a home mainly involves the following five steps.
[Schedule settings]
Clarify by when you want to sell and move. Also, if you need to buy a new home, decide when to do so. If you want to sell quickly, you can set a low price, but if you want to sell slowly, you can start with a high price and gradually lower it. This will affect how you market your home.
[Simple assessment (assessment request)]
The selling price determined by a real estate company is called the "assessed price."
There are two types of appraisals: "simple appraisals" that mechanically determine the price from certain data, and "on-site appraisals" that inspect the property on-site. For simple appraisals, you can easily get the appraisal results in a short amount of time by using a bulk appraisal service on the Internet. One way to do this is to talk to the real estate company that you like.
[Selection and request of a real estate company]
You actually sign an agency contract with a real estate company and ask them to sell your home. A reliable real estate company is essential for selling your home. Make a comprehensive judgment based on past sales records and online reviews, and choose a company to sell your home to. The sales power of major companies is important, but compatibility with the person in charge is also important. Make sure to sign a contract with a company that you are satisfied with.
In addition, there are three types of agency contracts: exclusive agency contracts, exclusive agency contracts, and general agency contracts. Which one is appropriate depends on the situation, so you should decide based on the situation.
[Sales activities]
The real estate company you commission will search for a buyer. Depending on the agency agreement, you may also be able to search for a buyer yourself.
[Sales and delivery]
Once a buyer is found, a sales contract will be signed, at which point the actual selling price will be determined.
In addition, we will provide a detailed explanation of the house to be sold, settle the remaining balance, and register the transfer of ownership to complete the transaction. This is often done in a private room rented from a financial institution or real estate agency.
Selling a home is a big deal and can be a little scary at first, so be educated, plan, and work with a trusted real estate agent to make the transaction more enjoyable.