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Paytm add money offer

Are you going to add some money in your paytm wallet? So wait, I mean how would it be if you get the benefit of some offers even while adding money to the paytm wallet.

Yeah boi! You heard right.

Paytm is a very important source for earning loot deals and free paytm cash. Any trick we use for loots, deals, refer and earn apps and tricks to get assured cashback. We’ll received our cashback directly to the paytm wallet.

Today, paytm and UPI users are growing rapidly in india. Whatever balance is in the paytm wallet, it is used just like real cash in your hand.

You can transfer the wallet balance to the bank or pay at any store with the help of paytm or UPI.

Along with this, paytm also provides us some promo codes. Which we can use while adding money to paytm wallet. You can find the best add money promo codes through this paytm add money offer post, this code is available for new users and as well as existing users.

paytm add money promo code	minimum balance	cashback offer
ADD10	₹500	₹10
REWARD10	₹100	₹10
EARN10	₹2000	₹10
SAVENOW10	₹2000	₹10
GETFLAT10	₹50	₹10
GETNOW10	₹1000	₹10
GETNOW30	₹3500	₹30
GETNOW50	₹2000	₹50
WINFLAT50	₹2000	₹50
REWARD100	₹5000	₹100
LUCKYUPI100	₹100	₹100

If you do many online transactions through paytm, then you will have to add balance in the wallet repeatedly. So that’s a happy moment for you, relax! And grab a cup of coffee in your hand. Now you can avail paytm add money offer to get assured cashback on adding money to paytm wallet or wallet transactions.

Paytm is back again with new user offer. This time you can get free rs.20 or rs.40 by applying coupons codes on paytm add money offer. Paytm always giving us new promo codes for new users like

GET5 – rs.5 paytm cash

FREE10 – rs.10 free paytm cash

FIRST20 – rs.20 free paytm cash

PAYTM20 – rs.20 free paytm cash

FREE20 – rs.20 paytm cash

FREE25 – rs.25 free paytm cash

This time you’ll get upto 100% cashback on paytm add money offer. Here’s how you get assured cashback on adding money to the wallet.

Paytm add money offer get rs.15/20/50 cashback free

Paytm add money new & old user offer – account specific working now

First or all download or update your paytm mobile app & login to your account.

Must complete KYC details of your account.

Now goto the add money section & add ₹200 in your wallet use this paytm add money promo code while adding money.

Use code – ADD20

If you are a new user of paytm account then you can try this promo code GET20 for add money of ₹100 & get ₹20 assured cashback.

New codes

Add ₹100 in your paytm wallet use paytm add money promo code GET15 & get ₹15 cashback in your account.

Paytm UPI add money offer – if you’re going to add ₹500 in your wallet then apply this promo code – STAYHOME50 & get ₹50 cashback.

Paytm first-time add money offer

If you are adding money to your paytm account. Use promo code – NEW40 to get 100% cashback on your first time transaction. With the help of this promo code you’ll get rs.40 cashback in your account.

Click on add money

Apply promo code NEW40

Get rs.40 cashback

Valid for new users

If NEW40 is not working for you. Then use NEW20 or FIRST20 to add money to paytm.

Paytm add money offer – upto ₹300 cashback

Add ₹200 or more to your paytm wallet and get upto ₹300 cashback in your account. You’ll get ₹75 fastag voucher code on your first transaction. For the second adding money transaction you’ll get ₹75 zomato voucher.

On add money to paytm wallet on third transaction during offer duration you’ll get ₹75 movie voucher. And get ₹75 zomato voucher if you add money of ₹2000 in your paytm wallet. The offer is valid till 29th february 2020.

Paytm add money offer with UPI

Paytm add money offer 500 – earn upto rs.500 for add money to the paytm wallet using paytm UPI. Use paytm add money promo code LUCKYUPI500 to earn upto 100% cashback. For this, you need to make a payment with paytm UPI.

Add money to paytm

Apply promo code LUCKYUPI500

Add minimum rs.500

You’ll get upto rs.500 cashback

With this offer, lucky 250 users can win rs.500 cashback daily.

Terms & conditions

Select “LUCKYUPI” from the “have a promo code” section on add money to wallet screen before proceeding to payment and pay using paytm UPI to be eligible to get rs.500 cashback.

Entire payment should be done using paytm UPI for the user to be eligible for cashback.

250 lucky customer who pays with paytm UPI will get ₹500 cashback everyday.

Minimum transaction amount is ₹500.

Link your bank account to pay using paytm UPI if not already done

Any transaction for which payment is not done with paytm handle is not counted in participation.

Cashback will be credited in your paytm wallet within 24 hours after you are eligible for cashback.

Paytm add money offer – how to get free rs.20 cashback

Goto cashback offer section & active this offer in your account.

Offer is valid for account specific users of paytm.

Add ₹2000 or more using paytm UPI

On add money transaction, the offer will unlocked.

You will instantly get ₹20 flat cashback on ₹2000 add money.

Offer is valid till 2nd january 2020

Paytm add money offer – how to get free paytm cash

First of all, download the paytm wallet app.

Open the app & click on signup.

Enter your new number (unregistered number)

Verify your account & fill your details and save it.

Goto add money section.

Enter the amount rs.40/30/20/10 and click on have a promo code.

Apply this promo codes to get free paytm cash.

NEW40 – rs 40 free paytm code

NEW30 – rs 30 paytm add money code

NEW20 – rs 20 paytm add money code

NEW10 – rs 10 paytm add money code

Finally click on continue.

You’ll get rs.40/30 cashback in your paytm wallet.

Paytm recharge codes

FIRST / THIRTY – rs.30 recharge code

GET10 – rs.10 FREE recharge code

Use the latest paytm promo codes to get upto 100% assured cashback to the wallet. If you do many transaction using UPI then they’ll more beneficial for you. Here’s how you find and apply paytm add money offer & promo codes 2020.

First of all, open the paytm app.

Click on add money.

Enter the amount to add in paytm wallet.

Click on have a promo code.

Apply the promo code which you entered in the paytm add money offer.

Proceed to add money using the applicable mode of payment.

Paytm add money offer: get rs 50 cashback on adding money

Paytm add money offer: in this offer post, I am going to tell you about paytm add money offer.

After reading this offer post, you will get below given benefit:

Cashback on addingmoney.

Cashback on UPI payments.

Discount on adding money.

And a lot more .

So let me tell you more about paytm add money offer,

Make sure to read this offer post till the end,

Do you want to add money to your wallet?

If your answer is yes then here is a great paytm add money offer for you.

Now paytm is offering cashback when you add money to your paytm wallet.

Furthermore, many users do add money transactions in their paytm wallet to pay on merchant websites or merchant stores.

Moreover, paytm charge about 2% when users transfer their wallet money in their bank account.

Thus, people don’t like to add money to their paytm wallet.

But now, you will get cashback when you add money to your wallet.

This offer is valid for a limited period,

Also check:

So check the offer validity before using it.

Continue reading below to know more about this paytm add money offer.

Paytm add money offer terms:

1. Get rs 50 cashback on adding money

1) firstly use code: GETNOW50

2) the users will get rs 50 cashback when they complete the transaction using UPI.

3) the minimum transaction on the paytm app is rs 2000.

4) users will get the cashback instantly in their wallets.

5) this is a limited period offer from paytm.

How to avail paytm add money offer:

1) firstly, download the paytm app from the google play store.

2) secondly, log in or register a new account on paytm.

3) thirdly, goto paytm and activate the above offer from the cashback offer section and then goto paytm wallet and add money to your wallet.

4) fourthly, enter the amount as rs 2000 and then apply coupon code: GETNOW50

5) now select your payment method as paytm UPI or debit card.

6) next, complete your payment on the paytm app using the UPI method or any other method.

7) rs 50 cashback will be credit in your paytm wallet instantly or within a few hours.

8) you have successfully availed paytm add money offer.

Old paytm add money offer:

1. Get rs 10 cashback on adding money

1) firstly use code: SAVENOW10

2) users will get rs 10 cashback on adding money.

3) the minimum amount required to add money is fixed at rs 2000.

4) the coupon code is valid till 31st december 2020.

5) the paytm promo code is valid for selected users.

2. Get rs 10 cashback on adding money

1) firstly use code: REWARD10

2) get rs 10 cashback on an add money transaction of rs 500.

3) this is an account-specific offer.

4) the cashback will be a credit to the user’s paytm wallet instantly.

5) this is a limited period offer by paytm .

3. Get rs 10 cashback on adding rs 500

1) get rs 10 cashback on an add money transaction with UPI.

2) this is a user-specific offer from paytm.

3) the minimum transaction amount is rs 500.

4) cashback will instantly credit in your paytm wallet.

5) use code: GETFLAT10

4. Get rs 15 cashback on adding money

1) firstly use code: GETNOW15

2) users will get rs 15 cashback on adding money.

3) the minimum transaction amount is rs 200.

4) this is a user-specific offer.

5) cashback will be a credit to the user’s paytm wallet instantly.

5. Get up to rs 100 cashback on adding money

1) users will get up to rs 100 cashback on rs 2000 add money

2) cashback will be a credit to the user’s paytm wallet.

3) the offer is valid before 31st may 2020.

4) the offer is valid once per user.

5) paytm can change the offer conditions anytime.

6. Get rs 25 cashback on adding money

1) firstly use code: MAYOFFER25

2) get flat rs 25 cashback on adding rs 1000 in the paytm wallet.

3) the minimum transaction amount is rs 1000.

4) the maximum cashback is fixed at rs 25.

5) offer is valid for a limited time period.

Other paytm add money offer:

7. Get rs 25 cashback on adding money

1) firstly use code: STAYHOME25

2) use this code on rs 250 add money transaction.

3) this offer is valid for specific paytm users.

4) cashback will be credit directly to their paytm wallet.

5) offer is valid on payment through UPI.

8. Get rs 50 cashback on adding money

1) firstly use code: STAYHOME50

2) get rs 50 cashback on adding rs 500.

3) this offer is valid in selected paytm accounts.

4) the cashback will be credit in the paytm wallet instantly.

More paytm add money offer:

9. Get rs 50 cashback on adding rs 2500

1) apply promo code GETCB50 on add money through any payment mode to get flat rs.50 cashback.

2) this offer is valid until 31 march 2020.

3) users will get flat rs.20 cashback on adding money on paytm via any payment mode.

4) the minimum amount of add money through all pay modes should be rs.2500.

5) the user needs to apply promo code ‘ GETCB50 ” in the apply promo code section before adding the money, to be eligible under this offer.

10. Get rs 20 cashback on adding rs 100:

1) firstly use code: GETCB20 : get rs 20 cashback on adding rs 100.

2) code: add20 : get rs 20 cashback on adding rs 200.

3) use code: WIN15 : get rs 15 cashback on adding rs 100.

4) also this offer is applicable to the first paytm transaction.

5) cashback will be credit instantly in your paytm wallet.

In addition, when your friends use this paytm add money offer then they will also get some cash back on adding money.

Lastly, check out some free recharge tricks, free recharge apps for some good offers.

Paytm add money offer FAQ:

How to add money in paytm?

To add money in paytm you just need to download the paytm app and then goto wallet and from there you can add money of any amount.

How to add money in paytm saving account?

To add money in the paytm saving account you need to open the paytm app, and then goto bank section in the app from there you will be above to add money in your savings account.

How to add money in paytm wallet free?

You can add money in the paytm wallet for free, paytm do not charge their users to add money in the paytm wallet. But when you transfer your paytm wallet money to your bank account then paytm might charge you about 2.5% of the total amount which you want to add.

How to add money in paytm from the credit card?

Just like other payment methods, when you add money in your paytm wallet then you will have to enter your credit card number and its expiry date with its CVV number which is a 3 digit number printed on the back of your card.

Over $3,000 in featured deals and sign up bonuses

Friday featured deal of the week! That’s my favorite celebration every friday here at my dollar plan! Every week we feature a great deal, sign up bonus, or offer for you to earn some extra money. Our goal is to find the best offers that feature easy sign ups.

It’s time to take a look back at the entire collection of active featured deals that we covered to date.

Over $3,000 in featured deals and sign up bonuses

When I added it all up, you could potentially score anywhere from $2,500 to $3,000 in sign up bonuses, plus free flights and hotel stays per person. Now you know why it’s my favorite article each week!

To make sure you don’t miss one of the weekly offers you can:

High dollar bonuses

My favorite offers right now are obviously the $500+ credit card sign up bonuses. I sorted the list of credit card sign up offers by the bonus amount so you can start at the top and easily determine which offers are worth your time.

All of the current offers for credit card sign up bonuses are listed in our credit card directory.

Credit card bonuses $500+

Credit card bonuses $400 – $500

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Credit card bonuses $100

More featured deals

You can also earn bonuses with investment accounts, free flights, cash back, gift cards and more. Here are more of the featured deals that you can take advantage of:

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As always, we’ll be back next friday with a new offer in the friday featured deal of the week series!

Print |

email | 6 comments

Comments to over $3,000 in featured deals and sign up bonuses

I have a question regarding american express $100 gift card offer.

When does amex charge the annual fee? I hope it charges when one year is up.

I want to make sure that amex doesn’t charge me while I’m in the process of redeeming the rewards (e.G. Just after few months of opening the a/c)

I would like to know when do the credit card companies usually charge the annual fee. Is it different for each company?

Will appreciate if you can share your experience.

If you buy online join ebates it is free money. 2 to 5% off ebay and up to 25% from some stores. A real must for a miser like me.

Thanks for the mention in the rewards programs. Subscribing and looking forward to more free money friday posts.

Laura pagles
fatwallet.Com

Good list this week. How many credit cards are too many. I mean if you open a bunch, get the rewards, pay off your balance right away and then close the account, will it negatively affect your credit score?

Hi,
assuming your available credit and total % of credit used (utilization) do not change, closing any account that has been open fewer years than your average age of accounts will increase your average age of accounts so that it’s a wash. Any accounts from your app spree that you leave open will decrease your average age of account, but depending on the maturity of your credit may not be a big deal.

Does anyone know of a good promo for opening a new bank account for kids (age 10)? Even $25-50 would a great as my son will be depositing only $200 or so. Local bank in dallas, texas area is fine.

Over $3,000 in featured deals and sign up bonuses

It’s time to take a look back at the entire collection of active featured deals that we covered to date.

Over $3,000 in featured deals and sign up bonuses

To make sure you don’t miss one of the weekly offers you can:

High dollar bonuses

All of the current offers for credit card sign up bonuses are listed in our credit card directory.

Credit card bonuses $500+

Credit card bonuses $400 – $500

Credit card bonuses $150 – $250

Credit card bonuses $100

More featured deals

You can also earn bonuses with investment accounts, free flights, cash back, gift cards and more. Here are more of the featured deals that you can take advantage of:

Free flights

Free nights

Investment & checking account bonuses

IRA account bonuses

Cash back rewards programs

Favorite featured deals

Featured deals

Credit card rewards programs

As always, we’ll be back next friday with a new offer in the friday featured deal of the week series!

Print |

email | 6 comments

Comments to over $3,000 in featured deals and sign up bonuses

I have a question regarding american express $100 gift card offer.

When does amex charge the annual fee? I hope it charges when one year is up.

I want to make sure that amex doesn’t charge me while I’m in the process of redeeming the rewards (e.G. Just after few months of opening the a/c)

I would like to know when do the credit card companies usually charge the annual fee. Is it different for each company?

Will appreciate if you can share your experience.

If you buy online join ebates it is free money. 2 to 5% off ebay and up to 25% from some stores. A real must for a miser like me.

Thanks for the mention in the rewards programs. Subscribing and looking forward to more free money friday posts.

Laura pagles
fatwallet.Com

Does anyone know of a good promo for opening a new bank account for kids (age 10)? Even $25-50 would a great as my son will be depositing only $200 or so. Local bank in dallas, texas area is fine.

Congratulations, home seller: A bidding war just broke out for your house. Here's how to pick the best offer

Just recently, rob kallick, founder of the los angeles-based take sunset team at real estate brokerage compass, had a listing that attracted 20 offers. Another one netted 12. Both changed hands for way over the asking price.

“for the house with 20 offers, we probably did 40 showings and half wrote an offer,” said kallick. “I’ve never seen that before.” the soon-to-be-owner of that three-bedroom residence offered $200,000 above the $1.4 million asking price, kallick said. The deal closes next week.

Around the U.S., more than a half of the offers agents with real estate brokerage redfin made in june faced at least one competing bid, according to the firm. Bidding wars were most common for single-family homes, with a little over 56% of redfin offers contesting other tenders. Receiving multiple offers can be a boon for sellers. But it can also be daunting, since the best offer is not necessarily the one with the highest initial price.

“with multiples, it can get kind of chaotic,” said heather roy, a douglas elliman agent in beverly hills. “it isn’t always just money. We talk with [sellers] about timing. There’s an emotional component. They are weighing a lot of things.” roy advises homeowners to create a spreadsheet to compare offers by purchase price, contingencies and financing terms.

Method of payment

“cash is always king,” said martha gundersen, a douglas elliman real estate broker in the hamptons in new york.

Cash offers are free from the usual requirements that saddle mortgages, which take time to be approved and come with specific conditions such as inspections and appraisals. That means cash buyers can execute deals quickly. For sellers, this convenience, though, may have a cost.

All-cash buyers know they have leverage, said bill hernandez, who co-leads the bill and bryan team at douglas elliman in south florida. They may start a negotiation saying, “‘I’ll give you the cash to close, but now I’m looking for a 25% to 30% discount.’ do deals happen all the time like that? No, but sometimes they do.”

Cash offers are generally more common on multi-million-dollar residences, but even luxury home buyers are now opting to finance in order to take advantage of the current record-low mortgage rates.

When buyers use financing, it is often best to consider those who have been pre-approved for a loan, which saves time and helps ensure that the buyer will actually qualify for a loan at the agreed price. Moreover, the more money a buyer is committing to the down payment and the earnest-money deposit, the stronger the offer.

A down payment worth at least 20% of the home’s value creates a sense of security for sellers, even if lenders may not always ask for it. Not only does it make a mortgage approval more likely, a large down payment can signal the buyer is financially prepared to handle unforeseen expenses in the sale process.

Offer contingencies

Regardless of how they are paying, most buyers will request a few contingencies in order for the deal to close. These provisions allow the home shopper to walk away in the event that their loan application is rejected, the appraisal comes in low or an inspection reveals major structural problems with the property. Some buyers will link the offer to their ability to first sell their existing home.

“too many contingencies can kill an offer,” said gundersen. “the cleanest transaction is the one with the highest price and the least amount of contingencies.”

Facing fierce competition on today’s market, some buyers are waiving appraisal contingencies, affirming that they would pay the difference between the offer price and the valuation if the appraisal is low. If they don’t bridge the gap and instead back out of the contract, they risk losing their deposit.

“these are buyers who are trying to differentiate themselves by showing a willingness to go above the appraisal as a way to say, ‘I’m not afraid of putting a bigger down payment. I’ll make sure I qualify for this loan,’” said billy rose, co-founder and president of real estate brokerage the agency.

A strong buyer is also someone who agrees to as short of an escrow period as possible. Escrow is the time spent between signing a contract and executing the sale. “the longer you’re in escrow, the more potential you have that the buyer reconsiders what it is that they are doing,” said rose.

How determined is this buyer?

Sometimes, a rejected mortgage application or an unexpected job loss may push a purchaser out of a contract. But often, a successful deal hinges on the buyer’s commitment. “A buyer may promise the world, but then they get a 70-page inspection report back and they’re like, ‘whoa, you know what, it’s not worth it,’” said lauren forbes, who co-leads the los angeles-based forbes corrales coastal group at compass.

Some home shoppers pen personal cover letters to bolster their offers, which afford glimpses into their reliability as purchasers. “we’ll see a beautifully written letter but then I’ll see the wrong address on there,” said forbes. “by that, I can tell that they’ve made an offer on another property too.”

A buyer with a couple of rejected offers may be extra determined to make it work, said roy. “but if they’ve lost 10, you want to get to the bottom of it to see if it’s because of them,” she said.

Some of the things to ask are whether the buyer has worked with their lender before, which increases the chance of a smooth financing process and a quick close. It is also worth knowing whether the home shopper has other pending offers, which can show how committed they are to a particular transaction.

“if you think about it, when we have an accepted offer, the buyer is kind of dating and the seller is married, locked into the transaction,” said learka bosnak, who leads the heather & learka team at douglas elliman with roy. “they can’t change their mind about the buyer. But the buyer can date someone else at the same time.”

Counter offers

In a multi-offer environment, agents say that presenting a counter offer to everyone ensures fair treatment and allows sellers to get the highest price and best terms.

“sometimes, people will exceed one another though to the asking price,” said rose. “sometimes they will use what’s known as an escalation clause which basically says, ‘I’ll give you X amount of dollars above the highest price that you receive.’”

A counter offer should outline the seller’s preferences such as a lease-back agreement or a shorter contingency period, both of which have grown in popularity during the pandemic. Sellers can also state what closing costs they are willing to take on and what furniture and appliances they would leave behind. Sellers, though, should exercise caution when spelling out terms. A 10-day loan contingency, for instance, may be a tall order right now, when lenders are struggling to process the inflow of mortgage applications.

“you don’t want buyers in an unrealistic contract because then they default out of the gate,” said roy.

Sellers might also choose to disclose the highest price they have received so far, allowing shoppers to adjust their bids. Yet, “it comes down to how high the price has gone,” said kallick. “should you reasonably expect more than that? Or, are you already at a place that is basically a record-setting price? If you go too far with it, you risk losing all your interest.”

When finally selecting a winning offer, sellers should also consider a back-up offer, said forbes, so that if the first deal falls through, they can avoid re-listing the home. Returning to the market after a failed sale may blemish the property’s appeal and eventually lead to a low purchase price.

“right now, the market is doing very well,” said hernandez. “you don’t want to lose an opportunity with a buyer. Because of that, everyone’s really looking closely at every line of the offer, making sure the deal happens.”

The basics of making an offer on a house

Like marriage, home-buying is one part love, one part legal transaction, and starts with a proposal. When you're ready to buy a home, making an offer is important: oral promises are not legally enforceable in real estate sales.

Realtors usually have a variety of standard forms (including residential purchase agreements) kept up to date with the changing laws.

In many states, sellers must comply with certain disclosure rules, and a real estate agent will ensure that they do, as well as answer any questions you may have during the sale.

If you are not working with a realtor, keep in mind that your purchase offer or contract must conform to state and local laws. State laws vary, and certain provisions may be required in your area.

Besides addressing legal requirements, making an offer should specify price and all other terms and conditions of the purchase. For example, if the sellers said they'd help with $2,000 toward your closing costs, include that in your written proposal and in the final contract—or you won't have grounds for collecting it later.

After the offer is drawn up and signed, it will usually be presented to the seller by your real estate agent, by the seller's agent, or often by the two together.

In a few areas, sales contracts are typically drawn up by the parties' lawyers.

What to include when making an offer

Your purchase offer, if accepted as it stands, will become a binding sales contract—also known as a purchase agreement, an earnest money agreement or a deposit receipt. It's important, therefore, the offer contain every element needed to serve as a blueprint for the final sale. These purchase offers should include the following:

Address and sometimes a legal description of the property

Sale price

Terms—for example, this is an all-cash transaction, or the deal is subject to you obtaining a mortgage for a given amount.

Seller's promise to provide clear title (ownership)

Target date for closing (the actual sale)

Amount of earnest money deposit accompanying the offer—whether it's a check, cash or a promissory note—and how the earnest money will be returned to you if the offer is rejected (or kept as damages if you back out of the deal for no good reason)

Method by which real estate taxes, rents, fuel, water bills and utilities are to be adjusted (prorated) between buyer and seller

Provisions about who will pay for title insurance, survey, termite inspections and the like

Type of deed that will be granted

Other requirements specific to your state, which might include a chance for attorney review of the contract, disclosure of specific environmental hazards or other state-specific clauses

A provision the buyer may make a last-minute walk-through inspection of the property just before the closing

A time limit (preferably short) after which the offer will expire

Contingencies (these are extremely important matter and discussed in detail below)

Contingencies

If your proposal says, "this offer is contingent upon (or subject to) a certain event", you're saying you will go through with the purchase only if that event occurs. The following are two common contingencies contained in a purchase offer:

Financing. You, the buyer, must be able to get specific financing from a lending institution. If you can't secure the loan, you will not be bound by the contract.

Home inspection. The property must get a satisfactory report by a home inspector "within 10 days after acceptance of the offer" (for example). The seller must wait 10 days to see if the inspector submits a report that satisfies you. If not, the contract would become void. Again, make sure all inspection conditions are detailed in the written contract.

Negotiating the price

Is the listed price the right price? A REALTOR® can give you a comparative market analysis (CMA) of the home's value, or you can check local listings on realtor.Com® to see what similar properties sold for. Based on the home inspection, you might also ask for a lower price or repair contingencies if the home needs fixes.

You're in a strong bargaining position—meaning you look particularly welcome to a seller—if the following conditions apply to your situation:

You are an all-cash buyer;

You have been pre-approved for a mortgage;

You don't have a house that must be sold before you can afford to buy.

In those circumstances, you may be able to negotiate discounts from the listed price. On the other hand, in a hot seller's market, if the perfect house comes on the market, you may want to offer the full list price (or more) to beat out other early offers.

It's very helpful to find out why the house is being sold and whether the seller is under pressure. Keep these considerations in mind:

Every month a vacant house remains unsold represents considerable expense for the seller.

If the sellers are divorcing, they may just want out quickly.

Estate sales often yield a bargain in return for a prompt deal.

Earnest money

Earnest money is a deposit you put down with your offer on a house. A seller is understandably suspicious of a written offer not accompanied by a cash deposit to show good faith. A REALTOR® or an attorney usually holds the deposit. The amount varies from community to community, and it becomes part of your down payment.

Buyers: the seller's response to your offer

You will have a binding contract if the seller, upon receiving your written offer, signs an acceptance just as it stands, unconditionally. The offer becomes a firm contract as soon as you are notified of acceptance. If the offer is rejected, that's that. The seller cannot change their mind later and hold you to the deal.

If the seller likes everything except the sale price—or the proposed closing date or the basement pool table you want left with the property—you may receive a written counteroffer with the seller's preferred changes.

You can accept or reject it or to even make your own counteroffer—for example, "we accept the counteroffer with the higher price, except we still insist on having the pool table."

Each time either party makes any change in the terms, the other side is free to accept or reject the offer or counter again. The document becomes a binding contract only when one party finally signs an unconditional acceptance of the other side's proposal.

Buyers: withdrawing an offer

Can you take back an offer?

In most cases the answer is yes, right up until the moment it is accepted—and in some cases even if you haven't yet been notified of acceptance.

If you want to revoke your offer, be sure to do so only after consulting a lawyer who is experienced in real estate matters. You don't want to lose your earnest money deposit or get sued for damages the seller may have suffered by relying on your actions.

Sellers: calculating net proceeds

When an offer comes in, a seller can accept it exactly as it stands, refuse it (seldom a useful response), or make a counteroffer with the changes they want.

In evaluating a purchase offer, sellers estimate the amount of cash they'll walk away with when the transaction is complete. For example, when they're presented with two offers at once, they may discover they are better off accepting the one with the lower sale price if the other asks them to pay points to the buyer's lending institution.

Once a seller has a specific proposal, calculating net proceeds becomes simple. From the proposed purchase price, they subtract the following:

Payoff amount on present mortgage

Any other liens (equity loan, judgments)

Broker's commission

Legal costs of selling (attorney, escrow agent)

Transfer taxes

Unpaid property taxes and water bills

If required by the contract: cost of survey, termite inspection, buyer's closing costs, repairs, etc.

The seller's mortgage lender may maintain an escrow account into which they deposit money to pay property tax bills and home owner's insurance premiums. In that case, remember sellers will receive a refund of money left in that account, which will add to their proceeds.

Sellers: counteroffers

When sellers receive a purchase offer from a would-be buyer, remember that unless they accept it exactly as it stands, unconditionally, the buyer will be free to walk away. Any change the proposed buyer makes in a counteroffer puts the seller at risk of losing that chance to sell.

Who pays for what items is often determined by local custom. Sellers can, however, arrive at any agreement they and the buyers want about who pays for the following:

Termite inspection

Survey

Buyer's closing costs

Points to the buyer's lender

Buyer's broker

Repairs required by the lender

Home protection policy

Sellers may feel some of these costs are not their responsibility, but many buyers—particularly first-timers—are short of cash. Helping a buyer may be the best way to get a home sold.

Whether you're buying or selling, make sure a real estate agent and/or an attorney evaluate all terms in the offer and counteroffers.

As soon as both parties accept the written offer, you have a legal contract.

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We have been around since 2011 and each year we continue to reach thousands of new customers as we expand throughout the united states with various credit options. In addition to being an online lender and credit services provider, we also service the CC flow line of credit offered by CC flow, a division of capital community bank.

Short-term online loans available through the moneykey website include installment loans and lines of credit. With moneykey, you can expect:

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We strive to provide five-star service to customers and a variety of fast online loans are available through the moneykey website. The application process is quick and easy. If your application is approved, you may receive your money the next business day*.

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Installment loans are short-term online loans that are paid back over time. If approved, you’ll get the full loan amount deposited into your bank account the next business day*. Your payback period, or loan term, will range between 5 and 18 months, depending on the state you live in. Throughout the loan term, you will be expected to make your installment payments to repay your loan, often on a monthly, semi-monthly, or bi-weekly basis depending on how often you get paid. There is no penalty for pre-payment (paying more or earlier than a scheduled installment) for installment loans. Repayment terms will vary by state and depend on the duration of the loan. A moneykey installment loan can be used for a variety of reasons including home and car repairs, medical expenses or any unexpected non-recurring bill. These online short-term loans are currently available in delaware, idaho, mississippi, missouri, new mexico, texas, utah and wisconsin.

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If you are looking to receive funds quickly*, then a line of credit might be right for you. This is an open-ended borrowing option and is different from traditional online short-term loans like payday and installment loans since it gives you greater control over your cash flow.

If your application is approved, you can draw your full credit limit at once or smaller amounts over time, so long as you have available credit**. With lines of credit offered through moneykey, you are only charged on the amount of money you have withdrawn, not your entire credit limit.

There are two types of lines of credit available through moneykey:

Moneykey line of credit

The moneykey line of credit is currently available to new customers in kansas and tennessee. A line of credit is ideal for unexpected expenses that may occur in your day-to-day life. For specific rates and terms, visit the rates and terms page.

CC flow line of credit

The CC flow line of credit is currently offered through moneykey in arizona, louisiana, montana, oklahoma, oregon, and wyoming. Additional states will be operational soon. Check back often to see if the CC flow line of credit is available in your state of residence.

The CC flow line of credit is provided by CC flow, a division of capital community bank, a utah chartered bank, located in provo, utah, member FDIC. Consumers can submit a request for a CC flow line of credit through the moneykey website.

Click here to learn more about the CC flow line of credit.

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Payday loans are small-dollar, personal short-term online loans that are typically repaid by your next pay date. These loans are meant for short-term use only and are not a long-term financial solution. These loans may be used for unexpected expenses between paychecks, like emergency car repairs or other non-recurring bills.

As a responsible lender, credit services provider and loan servicer, payday loan alternatives, like installment loans and lines of credit, are offered through moneykey. Unlike payday loans, these types of loans are generally repaid over a period of time with multiple payments. We urge customers to ensure they borrow from a responsible lender or credit services provider.

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Not all applications are approved; duration of approval process may vary. Credit limits/loan amounts are subject to further verification criteria. If you are a returning customer, loan amounts may vary.

*if approved, any requested funds may typically be deposited into your bank account the same business day; timing of funding may vary by product and state. The date and time funds are made available to you by your bank are subject to your bank's policies. For specific funding cut-off times, click here.

**you may request a draw from your line of credit at any time, so long as you have available credit and your account is in good standing. In the state of south carolina, you can withdraw the total credit available to you all at once, or in smaller amounts over time as you need it, with a required minimum draw of $610.

Applications submitted on this website may be originated by one of several lenders, including: CC flow, a division of capital community bank, a utah chartered bank, located in provo, utah, member FDIC. CC flow will be responsible for underwriting, approving and funding the CC flow line of credit. The CC flow line of credit is available through moneykey.

Product availability varies by state. To see loan products offered in your state of residence, please visit our rates and terms page.

Moneykey – TX, inc. Is licensed as a credit access business (CAB), license no. 16641-62815, by the office of the consumer credit commissioner and registered as a credit services organization (CSO), registration no. 20110150, by the state of texas. All loans for which moneykey acts as a CSO/CAB are funded by an unaffiliated third-party lender and serviced by moneykey. In the state of california, moneykey – CA, inc. Is licensed by the department of business oversight pursuant to california deferred deposit transaction law license no.1004516.

Reviews and any ratings referenced are based on trustpilot reviews. Images are for illustrative purposes only. Reviews reflect individuals’ opinions and may not be illustrative of all individual experiences with moneykey.

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