supposed to be scary. This is so-so. Deregulation did not kill the industry. Certainly intensified competition, although it is not always fair. I checked, and changed the world of real estate brokers with a piece of one year after the entry into force of the Act Gowin. Conclusion: The market came ignorant agents from the case and ordinary crooks crooks, and today there is a customer who complain about their actions. Cheated, mistreated, can easily go to court and submit a claim. There is also the other side of the coin: young professionals came, open to new technologies, with odjazdowymi ideas. In addition, responsible and understand the need for continuous training.
This does not mean that arrived jobs: to make it happen, paragraphs is not enough.
Doors to Success
Agnieszka Pavlovsk is 37 years old and Leszno (64 thous. inhabitants) leads the company’s success, one of 26 similar means of dealing with the property. She wanted to be a car mechanic, but the parents did not agree with the fact that she went to vocational school, so chose high school economics. After it was science, pedagogy Rehabilitation, now doing postgraduate studies in property expert opinions. All this, he says, much of her work is useful.
took on various jobs, but four years ago, before deregulation, she went to work for the agency run by an aunt. But – he laughs – with the family the best comes out in the picture, so she left, because there she loved ciotkowe doing business. Over the next two years she gained experience on their own under the supervision of a certified friend who lent her license. She had every intention to join the state exam to get the appropriate permissions. But the future deregulation and could open the door to success without it. Not now joins the ranks of 19 350 people, which until 31 January 2013. Was officially granted permission to practice as a real estate agent.
Something that before deregulation has happened in the black or in the informal economy today is on the agenda: people with no idea who enter the market for a couple of shots and spoil the opinion of the industry
Ba, occupation removed from the bill, which does not mean that professionals performing it disappeared. Because they are still needed. People buy and sell houses, apartments, rent, looking for building plots. They want to rent a property in commercial activities or build it yourself. Specialist who can advise them in this regard, I find the offer tailor-made, performed through a maze of paths official was, is and will be welcome. I earn mediation.
Industry fiercely defended before the Act. Prophesied that he would do a big mess, will take over the real estate brokerage market fraudsters, what the customer will suffer. Politicians who were pushing deregulation by the parliamentary and media bumps, argued that it will only get better: it will be abolished barrier to entry to the profession, be created thousands of new jobs, a chance to get the young, the invisible hand of the market will sweep him impostors, and overshadow the good. Time has shown that they both were right. And at the same time – it is very wrong.
Licenses are
This is what stands out on a good day, the fact that the licenses, even though they are no longer needed for this to lead the real estate market consulting – continue to function. I have a good time. They seem to be a variety of professional organizations, which – on the one hand – to defend themselves against the flood of amateurs and the prestige of the profession, on the other – are cashing in on this.
Marlena Joks, president of the Lower Silesian Association Real Estate Agents and Property Managers DOSPON, says that soon after dropping bombs deregulation by the government in 2014. organized a vocational course completed an examination and granting certificates of purity industry. All of the requirements of European Affairs Professionals Council. Real Estate (CEPI) – the same rules, the same competency requirements obostrzeniom standardized exam subject. Last year the course successfully completed 80 people. – It is mainly the real estate office workers from small towns who they want to start a business on your own – says Joks. They need professional support, knowledge and testimonies that will uwiarygodniało them, give them the edge over some people who will want to jump into the profession on the basis of “what if succeed” or “stick around to earn and Get out.”
Often it is for them to supplement the profession, who performed – the type of credit intermediation and insurance. She opened up a gap, so they use it, invest in yourself. At the same time the course is not cheap. Depending on who is doing it (and such professional organizations in Poland is a good deal, not counting local branches) have to spend from 800 to 1.5 thousand. zł. But as you can see – it pays to. The more so as more and more business owners have in some way nested in the market, which depends on the development, do not take the work of people from the street, only require proof of eligibility.
Leszek A. Hardek, President of the Polish Real Estate Federation (it consists of 23 regional associations, has 3.5 thousand. members), calculates that in the country in its organization such courses over more than a thousand people. And customer will be looking for a reliable agent, can check the registry maintained by them if the man, who decided to entrust often deal of his life, has relevant competences. But, he admits, beyond any associations to be at least half of the people working in the industry. And still many customers instead of check, verify, choose an agent for beautiful eyes. Or cheapness, which then bounces them painful – and expensive to treat – hiccup.
– I’m going to stay long in this market, so the most important thing for me is to establish its position, and This can only be based on trust – a bit of a high C begins his story Miroslaw Sajur from Oława. He is a child of deregulation: the property came on the market after the act. Previously, for six years credit counseling company, known specificity and procedures. His company employs nine people, of which six are licensed Polish Real Estate Federation. They deal through. – I put people condition: like someone wants to include in this business, it must improve his education. Because otherwise drown – he said.
Oława is a small market: 32 thousand. residents. The most important is the position that customers recommend wearing this, and not another company. But before you will gain the confidence you need to nadenerwować and try. Sajur just returned from a meeting with the client, who previously had to deal with another, a new mediator in the market, so it is filmed. – I ask if somewhere published his announcement that he wants to sell the house – he says. A client so. The man told her to print a banner with the phone number of your company. How to print and place the front of the property, he is then the sale will take. And, he says, damn light hit him, because it is not possible. He is a born dealer count for him might conservative standards, but does not understand that it is possible in such a way to treat a man who entrusts his property, and therefore the future and fortune. So, the more it must prove that he is not a crook and a thief.
Small Revolution
Marlena Joks of DOSPON-u asked about the changes that have noticed in the industry over the last month takes a deep breath. And he says. What is visible to the naked eye, the decline in the number of offices involved in the negotiation, thereby reducing the number of jobs in the industry. As compared to 2013. By about 35 percent. Perhaps this is a temporary effect, since worked here two mechanisms poderegulacyjne. First: the part of the older agents pissed off and offended. Those who already have a pension, they went for a well deserved rest, because they have no power or inclination to fight in a changing market, kick of a horse, whose strength and range of hooves did not know. Those who have yet to work, they fled in a more predictable branches and credit insurance. The second mechanism is that the industry consolidates. People close individual economic activities, establish cooperatives, partnerships, consortia. In this way, captures the fixed costs – rent a place together, one accountant, joint promotion strategies.
The average real estate agency is a small family business, employing up to three people. Such large, with 8-10 workers are few. These small, average, on premises, advertising, social security must spend 8 thousand. zł per month. So when declining profitability increased competition. Because if you can take from a client? The rates vary from 0 percent. (Which can be a fairy tale, because nobody works for free) to 3.5 percent. The gusts.
The real estate market rebounded slightly compared to the time of crisis, but no coconuts. Prices fell, and thus commissions. The secondary market is fighting for every penny of the original: the expansion continues developers, and they seldom earn intermediaries. – We operate mainly in the secondary market, housing used that will always be cheaper – explains Marlena Joks. So to speak there is another one phenomenon: today have the same property intermediation is not enough. Best to combine it with related services: a man wants to buy a place to live in it, it’s good the way he still does not get credit for. Then insure everything. He gets full service cheaper, they earn. – Though I wonder whether it is ethical to combine such activities – mityguje my interlocutor. There are countries, eg. The United States, where such activities must be carried out separately by specialized units. But with us today, so that’s what works. The market has changed, you have to adjust.
To move fluently on the market, the professional intermediary should be versed in – a little counting – 60 acts. From the various laws on civil law, by construction, taxes, water law, real estate, inheritance, land parcels, aliens … You can go crazy, because the law is changing so quickly.
Modern technologies
Agnieszka Pawłowska says that in her city, Leszno, had a total of relatively soft landing in the market nieruchomościowym. Once she knew the specifics. Two, that before the company opened in your name, first went on the course and won the license sector. So this diploma, which can hang on the wall, not only gave her courage, but something tells her clients. Three, that the educational qualifications easier for her to use modern technologies, tools, with which it can penetrate the market. – Meanwhile, one of the ladies running the business in my town, well-known and well-connected, your computer can not handle – he says. And once a month coming to the guy who offers her clients a cross to the network. She did not notice that the world has changed: today the market operates mainly in the digital space. Do not just throw classifieds to wirtualu, you still need to take care of them, position, stand on the ears to shown a the first positions in the search engines. Facebook, YouTube – there younger, wealthier customers first check what and how they can sell / rent / buy.
Mirek Sajur adds that his company client ad will hit the grid 200 friendly sites – this is the risk of a professional intermediary: for being on the net you have to pay, but not always will win a prize in the form of commissions. But overall, it’s worth it. Agnieszka boasts, her colleague on the local real estate exhibition leaflet made interactive in 3D. Just hover on her smartphone (if you have a pinched appropriate application) to view the property in full. See it from the inside or around around. – It is difficult to sell in our area, because the worth almost a million gold property in Smyczynie – betrays. With them are selling mostly cheap housing, people do not have money, and loans – from the entry into force recommendation that forces bringing 10 percent. downpayment – grew too expensive. But thanks to a comprehensive action on the internet merchants have already appeared on the right lock.
This is almost a castle in a difficult real estate brokers. For which it is not easy to get an amateur. But this difficulty is this day our daily bread. Easy to sell themselves: even at dozens of free sites that earn mostly on ads placed on them. It is the seller, it is the customer, let them get along with each other. Except that the sale / purchase of a house is much more than the order books and t-shirts in selling. More than buying a car at Allegro. As emphasized by all my interlocutors, for the majority of their customers is a transaction of life. Because a house or apartment is an investment, which people into debt, then working off most of his life. Or property that is inherited, the achievements of generations. So do not blow with a stick. Especially in this day and age, when the credit market has made a great fuss. And people can not afford to maintain and pay off those taken their dream homes in credits, often frankowych that are already holding paw bailiff.
Then they need not only an intermediary, but above all, experienced advisors to help them out of the corner of life, which fell from slipping. – I have to sell the property on which there are 52 titles of regulations – betrays Mirosław Sajur. Broker who knows what he’s doing, he can tough sell – before wyczyściwszy such commitments – to find customers who prey on similar gems to invest. Because they are cheaper. Agnieszka Pawłowska reveals that sometimes gets a tip from bailiffs, who also tend to have human feelings: it is a man in trouble, it will bid for the 65K. zł, but his apartment is worth at least three times more. It is the month of the auction so you can successfully sell more expensive, so it was something in his pocket.
But you have to know the law, that the client does not let a mine: eg. Not to sell his home, where he is registered regiment tenants. Or an apartment with his grandmother, which legally promised life imprisonment. Bo and these things happen.
And if the agent makes a mistake and will put his client in a situation in which this would never have wanted to find? If you want your business and insurance required by law, if the client has signed an agreement with the agency – both parties are protected. However, not always the case.
Fraudy were, are and will be
Michael Niewiński from Warsaw, Mieszkanie24.com agency, is 31 years old and almost child sitting in real estate. In the sense that his parents had little plots of land and buildings for sale, so it from a small – willy-nilly – watched the industry and help them. In 2009. Founded his own agency, still have to pass the exam to obtain a state license, but no regrets. The Warsaw market is so much easier, that much is for the transaction, so for an experienced broker is a good hunting ground, where customers and the opportunity is missing. But also a lot harder than the smaller, better recognized: harder to break.
And yet that greater anonymity on it, it is easier to hide the different smart guys. – Something that before deregulation has happened in a black or a gray area today is on the agenda – assesses. I calculated: people with no idea who enter the market for a couple of shots and spoil the opinion of the industry. What is the plague, it’s stealing clients, usually without their consent. It works like this: a man gives announcement like sell / buy / rent on a website, adds to this picture. I did not even realize that his offer is immediately entrained by the real estate jackals, which copy it and place on their sites. – Sometimes, the people, for fun, to join their announcements photographs swanky mansion with a swimming pool, eg. In the United States. And there are agencies that without batting an eye copy them to your offer – he says.
Scourge is also selling through intermediaries addresses. It looks that comes to business man in the street and offers: for 300 zł pass data of ten people who have to sell the apartment. It’s a whole industry, people who do not have permanent employment, arrange for meetings on the sale of ads and write down the addresses that pass on. Or otherwise, which says Agnieszka Pawłowska: there are plenty of advertising new type of market intermediaries – zero percent margin. That might mean that someone has been practicing for free. Obvious nonsense, but people still like to catch, because the cheapness would settle their case. In fact, it means that it does not take a dishonest broker commission from the buyer, the seller only (but it is two times higher, for instance. 5 per cent.). But the commission, and so is included in the price and de facto both sides more pay. Or even worse: the broker does not sign with any of the parties to the contract, even though according to the law deregulated the transaction is void. In return, suggests: you want / you for your apartment 300 thousand. zł. I sell them for 303 thous., And the hill will be for me. Customers catch up on the sweet-blind. They do not realize that they will have to pay tax on the entire transaction.
Agnieszka Pawłowska draws attention to another aspect: the real estate broker to sign a contract, you can open or exclusive. Open is one in which the customer has a free hand, can get along even with hundreds of agents who sell first-served basis and zainkasuje his due. Or to share margin. This exclusive lies in the fact that you only place in the hands of a particular agent. Who, What can I say, it will be more trying, more invested in order to quickly bring to the transaction, since the reward in the form of margin is to fall just him. – Prior to deregulation was a provision that if a customer has signed an exclusive contract with a broker, then others can not it get in the way – he explains. Now there is no such regulation. So it happens that she signs wyłącznościówkę, and then it turns out that in a week or two it osaczyło several other agents and prompted to sign similar agreements. Argued: Please sign us, because that or that this property does not sell. And people are signed, because they just want to bring to the transaction. And they shoot themselves in the foot, because according to the provisions of dysregulated all these contracts are valid, which means that even if only one mediator led to the conclusion of the purchase / sale, they would have to pay a commission to all with whom the contract was signed. So weeping and gnashing of teeth.
However, the most disadvantaged in the deregulation are older people. This is a dream of any kind przekręciarzy victims, not just real estate. Because they trust – companies that have business cards, staff dressed in tasteful suits / suits, in which you can not see the lack of scruples. And the whip which is not the law.
A few examples from the experience of my interviewees: New on the market broker gets along with her daughter the owner of an apartment in Warsaw. Rather than sign a power of attorney notary, trying to incapacitate her for her own good, so as not to have to bother with the riding to another village. Licensed broker breaks the conversation, but did not know if any other połaszczył not on the commission, which was higher than the market average.
“Honey, I know I made an appointment, but he was with me Remeczek you, and I can not deny him “- the old lady explained by the blush of shame mediatrix, which entered into an exclusive agreement. Remeczek is known sugar daddy in an environment that does emerytkom water from the brain. Do not read contracts generated especially by him, because he said to them, “he explained everything.” As a result, pay a higher commission, waive their rights to claim. On older men young women are sent a “Elvira”. The result: the same. So seniors are with exposure to the money, and often end up on the street because they can not afford it to pay fraudulent transaction to the court.
Word more precious than gold
Life is not a fairy tale, the weak die, you have to be able to read the agreement, ignorance of the law does not protect against its consequences – we all know the wisdom that has grown to the status of legislation. While it is itself tucks tail and hides. The result of deregulation of the real estate brokerage market is not so much free as anarchist market.
However, as argued by Anna Tejs, vice president of the Chamber of Commerce Real Estate, together with the deregulation of the market also increases customer awareness. And more often – before they reach the person or company that will help them get rid of the real estate trouble – searching, checking, Googling. Because the truth is that if intermediaries is hard, it is also the customers more and more difficult. So they both have to learn to live in a new world. Probably for some time it all just go away. Perhaps it will be just as convincing Agnieszka Pawłowska that word, a helping hand, will be more valuable than gold, which you can earn on some transactions. Will count trust.
He talks about his work on Tuesday, April 21, 2015. – I opened the office at 8 am, caught a colleague to look for her apartment for rent, not necessarily above than the floor. OK, I took the job. He made the papers, but calling client that wants to sign a notarial deed today. OK. Then the phone: friend wants to buy a plot. Then, my friend, that this house which I advised her, absolutely love ….
Aborting because Agnieszka likes and knows how to talk. – These are all your transactions are friends? – I ask. A moment of silence. – Well, yes – is responsible. Because in such a small town as everyone knows Leszno. And what they do not know, at least heard about yourself. Recommend other services. So the thing is, that it is good to hear about it. – I have clients that were not even have to sign any contract, just shaking hands – he says.
But both Agnes and Miroslaw, as well as most of my interviewees, the beneficiaries of deregulation Gowin, makes it easier for those who entered the market and make money on it, say it was a mistake. Who takes revenge and revenge will be in the next generation. – The normal man, even the best-educated, can not cope with the meanders of legal matters related to transactions – says Marlena Joks. Especially since the game, in addition to economic interests, emotions come yet. And that’s great. Anyone got a drop. Someone is getting divorced. Someone loses a job, and on the occasion of the possibility of maintaining the home.
Joks not forget things that cost a lot of it. In a psychological sense, because gainfully not lost: two sisters did not see you had no contact for several decades. Because one of the other involved a fiance, she married him and moved abroad. Not met even at the funeral of their parents. Only then, when you had to sell their house left. – Began to argue terribly. I was afraid that it will attack each other – he recalls. Did not even try to creep them to sign the papers. Instead, she opened a bottle of wine. Returned to her office the other day, now reconciled. – Because it is not a mere job – says Joks. And he adds that in her opinion it will never change. Well, I think that Poland will become the United States and the purchase / sale of an apartment or house will mean more than eating a big hamburger.
No comments:
Post a Comment