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购买农村房产的9个建议
You’ve found your dream property in the perfect rural setting. 在你跑出去开个价之前, make sure you consider these tips to improve your buying experience as you realize your rural dreams.
- 位置
不管你在哪里买, 房地产总是与地理位置有关, 位置, 位置 and rural properties and communities are the same. 一定不要只看风景. Drive around the area and assess the quality of the roads, 整体面积, 物业质量和业务类型. 问问你自己, are you ready to embrace the rural lifestyle and all that comes with it including the views and smells of animals, 开阔的空间, 和拖拉机共用道路. If the answer is yes, you’re on the right track!
- 财产的参加者
Unlike urban property, rural properties usually don’t have municipal services. Rural properties likely have private well and 垃圾系统 and may not have local trash pickup or recycling. Each of these things is at the owner’s expense. You will need to ask questions about the depth and quality of the well and water, 化粪池系统的使用年限和维护保养, 以及它的大小为未来的增加. It’s important to check quality of cellular service and broadband access. 也, ask about the frequency and duration of power outages. 取决于中断的严重程度, rural areas can be one of the last restored when the power goes out.
- 房地产基础设施 & 夹杂物
Every real estate transaction has a list of items that convey with the property, 以及状况报告. 在农村房产上, the checklist may be longer than the home itself as you will need to evaluate the condition of the fences, 附属建筑甚至土壤质量报告. 你还需要询问像门这样的事情, 便携式棚屋, 面板和滑槽, feeders and miscellaneous equipment to understand what items might convey with the property.
- 物业维修
Having acreage is often a positive draw to buying a home in a rural area. When considering how much acreage, take a moment to think through any 维护 costs. 这可能包括油井的维护, 垃圾系统, 保持牧场和围栏的修剪, and the possible need to add barns or storage buildings. 私人道路, larger acreages and fence line 维护 also may require additional tools and equipment. Be sure to budget for these extra costs, finance equipment, or hire local help.
- 环境问题 & 分区
Many rural newcomers think that rural living means less rules or government oversight than urban living. 虽然其中一些可能是真的, we must all continue to be good stewards of the land by abiding by environmental rules and zoning regulations. Be sure to understand any environmental condition reports related to water quality, runoff and endangered species that might impact your property. 也, be aware of any environmental issues on your property that you may be responsible for cleaning up. 另外, check the zoning laws for what the property can be used for which varies by county or municipality. Whether you have two acres or 2000 acres there may be zoning regulations that place limits on how you can use the property.
- 与专家合作
All real estate agents and lenders are not created equal. Just like you would pick a real estate agent or a lender that specializes in your urban neighborhood and community, you should also work with a real estate agent and lender who specializes in rural property. 他们对农村市场的了解, agricultural and recreational land values and how to value rural properties and related infrastructure is important to getting the best deal. It’s also important to work with a local 保险 agent who specializes in rural properties. Expect that your 保险 may be higher as you are farther from first responder services and have more property risk.
- 当地社区
You aren’t just buying a property; you are buying a lifestyle. That lifestyle typically includes your local community and neighbors. 当地社区有什么服务, 它有多远, do you feel a sense of community pride and opportunity that signifies how you will feel living there and how your property will maintain its value?
- 现有的租赁 & 合同
Depending on the size and type of acreage of the property you are buying, 有可能是租赁协议, leases or even government contracts may exist for the property. Even shared easements for access roads are not uncommon for rural properties. It is important to understand what legal obligations are in place and the duration or specifications of those contracts along with your future responsibility.
- 知道你能负担得起什么
As with any move, it’s important to plan for your move. Not just your down payment and mortgage for the rural property, 还有税收, 保险, 维护, 以及潜在的农场商业需求. A Farm Credit lender can help you assess your financial lending plan, or you can start by utilizing our Buying Rural Property Checklist.
Your dreams might include the perfect sunrises and sunsets, 一点点平和与宁静, more space for your hobbies or even a new business. No matter your dreams, Farm Credit is here to help. We work with you to make your financing a breeze. Many of our lenders have lived in the area for years and they know not only the area, but the people that can help make your dreams a reality.