Seth Godin, marketing specialist and considered one of the greatest visionaries of the market, writes in his blog a series of reflections and advice for those looking for home at this time:
1. per molti anni comprare casa non richiedeva grande intellegenza. chiunque poteva farlo e con il passare del tempo la crescita del mercato immobiliare non solo generava guadagni, ma metteva anche al riparo da possibili errori nell'acquisto. la morale era: non ho comprato la casa giusta, ma il suo valore in aumento mi fa guadagnare continuamente. questo atteggiamento dev'essere rimosso
2. di una casa puoi innamorarti, non perdere la testa. una casa non è solo un investimento è un posto per vivere. è l'unico investimento finanziario che ha queste due funzioni. quando si compra una macchina o una barca, si sa che col tempo perderanno valore. di azioni o fondi non ci si innamora. la casa è l'unico investment that leads to love. For this reason, careful and cool
3. the psychology of the bear market is irrational. in the context of rising market prices adjust immediately to increased demand. But when scarseggaino buyers, sellers do not yield to lower prices at the same speed. during these periods increases the availability of homes, but prices still do not fall, because no one makes the first move. but even if many sellers set the same price for an asset that does not mean that its market price
4. the impact of causing prices is tremendous. if you think that a house worth € 300 thousand but do not know its price list and then discover that it costs 600 thousand, difficult to start negotiations to arrive at the value you had in mind. list prices do lose your bearings
5. social power of a home is huge. when you buy a big house or expensive somehow determining your status, your social position and send a message to your neighbors, your family, neighbors and friends. there is nothing wrong with that but watch the real possibility that you have to maintain them: it could become a boomerang social
6. debts are like the devil. never buy on top of your ability: it is a mistake that financial cost you thousands of euro
7. it takes discipline decisions. when you buy the house probably have a family, so the decision really should be shared. all members involved, the spouse or children, if they already have a certain age, must be aware of the financial implications of purchase and not just the emotional or social. choice errors often create family problems "it is all your fault!"
8. the mortgage should not affect your work. if you are employed, perfect. but if you're self-employed, entrepreneur, or an artist with income variables you have to consider the ups and downs of your earnings. the fear of losing your home you can make also too cautious in your business decisions
9. maintain a proper relationship with the realtor. estate agents must be seen as professional mediation. must deal with them without too much personal entare in relationships and remember that you must enter both a profit
10. spend on the house in proportion to what it is. recalls that the house is the place where you live, not the perfect solution for your financial future. spend according to what is really, not compared to what could be worth
Source: http://sethgodin.typepad.com/seths_blog/2010/04/how-to-buy-a-house. html
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