What Is an Independent Real Estate Broker?

The "independent broker" business model originated in the United States. After more than 60 years of development and improvement, it is now widely used in European and American countries. Beijing, Shanghai and other places first introduced the concept of independent brokers a few years ago and won praise in the market. Nowadays, they have quickly spread across the country and become the development trend of the intermediary industry. We have reasons to believe that the future market will This kind of intermediary model coexists and cooperates for common development.

Independent Realtor

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Independent Realtor: Simply speaking becomes

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The development of this business model is gradually unfolding globally. The United States

Independent real estate agents essentially with stores

Real estate agent financial planning

[Case]

Mr. Zhao is 25 years old, and the new building near the site is 13,000 yuan per square meter. Individuals engaged in second-hand real estate transactions have higher commissions, with an average salary of 10,000 yuan, but no five insurances and one fund. Without food and accommodation, the monthly rent is 500 yuan including water and electricity, 800 yuan for meals, and three fixed investment funds of 200 yuan each, and the investment has been set for 8 months. There were 40,000 deposits, 10,000 were sent home, 20,000 were loaned to relatives, and the remaining 10,000 was in addition. In addition, it is expected that there will be 30,000 wages by the end of the year. I want to buy a house of 400,000 to 500,000.

Financial planning

Time to buy a house: Because the customer purchases a house for the first time, a 20% down payment is required, which is 100,000 yuan. Fund reserves in hand: 70,000 yuan = 10,000 cash + 30,000 money lent to others + 30,000 wages in the next 3 months. The shortfall in the down payment was 30,000 yuan.

If a customer buys a house, the down payment pressure is very high. It is recommended that the customer delay the purchase of the house, mainly at the stage of capital accumulation. If there is not sufficient preparation, try not to rush to buy a house.

Loan repayment preparation: It is recommended that in addition to preparing a down payment before buying a house, some funds should be prepared, that is, other expenses for buying a house and emergency reserves for 3-6 months, so as to cope with future financial changes.

Insurance planning: The customer is very young and is in the beginning stage of his career. The insurance premium he can pay is not large, so the types of insurance that the customer can consider are major illness insurance, accident insurance and accident medical insurance.

Investment planning: The fixed fund investment is maintained. After the personal income is stable, the fixed investment principal can be increased. After a large amount of funds are accumulated, product investment is made.