Call Us Anytime!
(844) 990-0548

Understanding The Risks And Rewards Of Selling Your Home During A Pandemic

Published on March 29, 2023

Hidden
Address Autofill

By clicking Get My Cash Offer, you agree to receive text messages, autodialed phone calls, and prerecorded messages from Cash Buyers or one of its partners.

This field is for validation purposes and should be left unchanged.

Understanding The Risks And Rewards Of Selling Your Home During A Pandemic

Strategies For Successfully Selling A Home During Covid-19

Selling a home during a pandemic can be a challenging process, but with a few strategies, it is possible to successfully navigate through the risks and rewards of this situation. Understanding the current market conditions and local regulations related to COVID-19 is essential in order to properly assess the value of your home.

Taking proactive steps such as making necessary repairs and upgrades, deep cleaning, staging your home, and taking professional photographs will help to make your house more attractive to potential buyers. Additionally, utilizing digital marketing tools such as virtual tours, online listings, and video conferencing can help expand your reach while still adhering to social distancing guidelines.

Finally, thoroughly vetting potential buyers by obtaining proof of finances or pre-approval letters will reduce the risk of closing on a sale that may not be able to follow through. With these strategies in mind, you can confidently move forward with selling your home during this uncertain time.

Essential Safety Protocols For Safe Showings

can i still sell my house coronavirus

When selling a home during the pandemic, it is essential to ensure the safety of both buyers and sellers. Adopting safety protocols for showings can help minimize risk and make the process more successful for all involved.

Homeowners should wear protective masks and gloves when showing their home, as well as encouraging visitors to do the same. In order to reduce physical contact, sellers should avoid shaking hands with potential buyers and instead greet them from a distance.

Additionally, sellers should limit showings to two people at a time to maintain social distancing standards, as well as disinfecting any surfaces that are touched during a tour of the home. Furthermore, sellers may want to consider virtual tours or video walkthroughs for those who cannot visit in person.

By following these essential safety protocols, homeowners can safely sell their homes during this pandemic while still reaping the rewards of a successful sale.

How To Prepare Your Home For Virtual Showings

Preparing your home for virtual showings is a crucial step when selling your home during a pandemic. Before you can even put your house on the market, it’s important to consider the risks and rewards associated with such an endeavour.

To make sure that things go smoothly, it’s essential to make sure your home is ready for an online viewing. This means doing all the usual tasks associated with preparing a home for sale - decluttering, deep cleaning, and staging - but with added emphasis on certain tasks that are particularly important in this digital age.

For example, having a clean space will be critical because photos of your home will be the first impression potential buyers get. Additionally, creating spaces where potential buyers can imagine themselves living will be especially important since they won’t have the opportunity to explore the space in person.

Finally, ensuring that there is adequate lighting throughout the house can also help create a positive impression of your home while helping ensure that features of rooms don’t get washed out in photos or videos. With these steps taken, you can help ensure that virtual showings go as smoothly as possible and give yourself the best chance of finding a buyer!.

Benefits Of E-offers & Remote Closings

can i sell my house with coronavirus

Selling a home during a pandemic brings a lot of uncertainty, but it also presents some unique opportunities. E-offers and remote closings are two of the biggest benefits to consider when putting your house on the market in this environment.

With e-offers, sellers can receive offers on their home quickly and electronically, eliminating the need for in-person meetings or showings. Remote closings ensure that sellers can complete the sale without needing to meet in person with buyers or real estate agents.

This helps protect both parties from any potential exposure to COVID-19 while still allowing for an efficient process for completing the sale. Additionally, many online tools now exist that make it easier to connect with buyers and handle paperwork remotely, helping streamline the entire sale process even further.

Adapting To The Changing Housing Market

The housing market has changed drastically over the past year due to the pandemic, and it can be difficult for homeowners to understand what risks and rewards come with selling their home during this time. Many potential buyers are hesitant to invest in a property without seeing it in person, which can limit the number of offers received on a home.

Additionally, obtaining an appraisal or inspection may be more difficult than usual due to safety protocols. On the other hand, the current low-interest rates make it possible for buyers to finance larger mortgages and thus potentially pay more for a home.

Additionally, sellers have an opportunity to showcase their homes virtually, making them available to a wider pool of potential buyers. Ultimately, adapting to the changing housing market is key in understanding the risks and rewards of selling your home during a pandemic.

Tips For Smooth Inspections & Appraisals

COVID-19 pandemic

When it comes to selling your home during a pandemic, inspections and appraisals can be a difficult part of the process. The good news is that there are tips you can follow to ensure a smooth inspection and appraisal.

Start by researching the qualifications of any inspector or appraiser you hire - look for experience in dealing with pandemic-related issues, such as virtual inspections if necessary. Make sure to prepare your home for the inspection or appraisal by taking extra steps such as cleaning and de-cluttering, so that all the details can be seen clearly.

Be sure to keep up with maintenance on your home's systems like HVAC, plumbing and electrical, as these items will be tested during an inspection. Finally, make yourself available during inspections and appraisals - answer questions in detail and provide any additional information that may be required.

Following these tips will help make sure you get the best outcome possible when selling your home during this challenging time.

Making The Most Of Open Houses In A Pandemic

Open houses are a great way to showcase a home for sale, allowing potential buyers to get an up-close look at the property. However, during the pandemic, there are additional risks and rewards associated with holding an open house.

It is important to understand these risks and rewards before deciding if it is the right choice for you. Potential buyers must be aware of safety protocols that must be in place and homeowners should consider ways to limit contact with visitors as much as possible.

This can include limiting the number of visitors allowed at one time or offering virtual tours for those who cannot attend in person. Additionally, owners should consider the financial implications of having an open house since fewer visitors may mean less activity and interest in their property.

On the other hand, hosting an open house can also provide many benefits such as increased exposure to potential buyers or making a good impression with those who do attend. Ultimately, understanding the risks and rewards associated with selling your home during a pandemic is key to making the most of open houses while keeping everyone safe.

What Buyers Should Expect During A Virtual Tour

Property

When selling your home during a pandemic, buyers should be aware of the unique challenges associated with a virtual tour. A virtual tour can provide potential buyers with an overall view of the property without having to physically enter the space, but certain drawbacks should also be considered.

Buyers should expect that there may be limitations in what they can observe from a virtual tour compared to an in-person visit, such as an inability to inspect behind walls or within cabinets. Additionally, in-person visits can provide more tangible information such as the condition of carpets or paint, which is difficult to gauge from a virtual tour.

Buyers should also keep in mind that sellers may not be able to answer all questions about the property during a virtual tour and should rely on their own research for further details. The risks and rewards associated with selling your home during a pandemic are important considerations for buyers when deciding whether or not to take part in a virtual tour.

Creating Showing Kits With Cleaning Supplies

When selling a home during a pandemic, it is important to consider the risks and rewards. One way that homeowners can safely showcase their property while limiting exposure is to create showing kits with cleaning supplies.

These kits should include essential items such as rubber gloves, face masks, disinfecting wipes, hand sanitizer, shoe covers, and extra trash bags. These tools will help protect both the homeowner and potential buyers from the spread of germs.

Homeowners should also be sure to keep up on regular cleaning and maintenance of the home before and after showings. By presenting a clean and safe environment for potential buyers to tour, homeowners can help reduce risk while maximizing exposure to market their property for sale.

Ensuring Adequate Hand Washing & Disinfection Protocols

National Association of Realtors

When selling a home during a pandemic, it is essential to take the necessary steps to ensure adequate hand washing and disinfection protocols are in place.

This includes providing hand sanitizer and wipes throughout the house, ensuring all surfaces are wiped down after each showing, and adding an extra layer of protection by wearing masks and gloves.

Additionally, sellers should require that visitors remove their shoes upon entering the property and ask that they refrain from touching items throughout the house.

Finally, sellers should provide a thorough explanation of all safety precautions to potential buyers prior to showings so that everyone feels comfortable with the process.

Enhancing Your Home’s Curb Appeal Virtually

In today's market, the idea of selling your home during a pandemic may seem daunting. But with the right strategies, you can maximize your curb appeal without ever having to leave your house.

Enhancing your home’s curb appeal virtually is key to attracting potential buyers. Start by taking high-quality photos of the exterior and interior of your home and post them on listing sites.

Make sure they are clear, bright and show off the best features of your property. You can also use virtual tours to give prospective buyers an immersive feel for the space and help them connect more emotionally with it.

Finally, if you have any outdoor features such as a garden or yard, make sure to highlight those in photos and videos as well. By implementing these strategies, you can increase visibility with potential buyers while still staying safe at home.

Understanding Legal & Compliance Issues During Covid-19

Health

When it comes to selling your home during a pandemic, understanding the legal and compliance issues associated with the process is essential. Before entering into a contract, it’s important for sellers to be aware of any restrictions or regulations in their area that may affect their sale.

This can include local ordinances regarding real estate transactions, rules related to closing costs or escrow accounts, and other guidelines from both state and federal governments. Additionally, sellers should be aware of relevant laws or regulations concerning financing options, home inspections, health and safety considerations, occupancy dates, and more.

It’s also critical that all contracts are properly reviewed by an experienced attorney to ensure they comply with all applicable laws. Understanding legal and compliance issues during COVID-19 can help protect you as a seller while also minimizing potential financial risks.

Utilizing Our Company’s Products & Services During The Pandemic

Our company provides a range of products and services that can help you safely navigate the risks and rewards of selling your home during a pandemic. Our experienced real estate agents are well-versed on the local market and will help you to accurately price your home for sale.

Utilizing our virtual tours, potential buyers can view your property from the comfort of their own homes without having to risk exposure to the virus. We also offer digital marketing services such as website design, social media campaigns, and search engine optimization to ensure maximum visibility for your listing.

With our personalized approach, we’re confident that we can get you the best possible outcome for selling your home in any market conditions.

Navigating Real Estate Transactions In Uncertain Times

Real estate agent

Navigating real estate transactions in uncertain times can be a daunting prospect for anyone planning to sell their home. With an ongoing pandemic and the ever-changing nature of the economy, it is essential to understand both the risks and rewards associated with selling your home during these challenging times.

While many potential buyers may remain cautious, there are still benefits that come with selling your home during a pandemic, such as lower interest rates and fewer competing homes on the market. It is important to weigh these risks and rewards against each other before making any decisions about when to list your home for sale.

Working with a qualified real estate professional can help you gain greater insight into market conditions and ensure you make an informed decision. In addition, they can provide valuable advice on how best to market your property in order to maximize its value while minimizing any associated risks.

Best Practices For Maintaining Social Distancing Guidelines

When selling a home during a pandemic, it is important to consider the risks and rewards of doing so while also following social distancing protocols. To ensure maximum safety for everyone involved, it is important to put certain best practices into place.

This includes limiting the number of people allowed in the home for showings and open houses, having buyers pre-qualify before entering the house, offering virtual tours whenever possible, providing hand sanitizing stations at entryways and exits, and wearing face masks when interacting with others. Additionally, sellers should take extra precautions such as leaving lights on or doors open so that prospective buyers do not have to touch knobs or handles.

By following these simple steps, sellers can maintain safety guidelines while still giving potential buyers an opportunity to view their property.

How Sellers Can Mitigate Risk In An Unpredictable Market

Real estate

Selling a home during the pandemic has many risks and rewards that must be taken into consideration. As an unpredictable market can make it difficult to navigate, it is important for sellers to take the necessary steps to reduce their risk.

One of the most important strategies is to find a reliable real estate agent who knows the current trends and regulations associated with selling in a pandemic. They can help identify potential buyers, negotiate price points and offer advice on what needs to be done to get the best possible price.

Additionally, sellers should ensure they have all the necessary documentation, such as legal paperwork and proof of sale contracts, before beginning any negotiations. It is also important to research the local housing market so you can understand if prices are increasing or decreasing; this will help sellers determine their expectations when setting a sales price.

Lastly, sellers should consider utilizing virtual tours or open houses in order to show off their property without risking exposure to coronavirus. By taking these steps, sellers can mitigate risk in an unpredictable market while giving themselves the best chance at achieving their desired outcome from selling during this time of uncertainty.

Leveraging Technology To Facilitate Virtual Listings & Viewings

The virtual world has become a crucial way for homebuyers and sellers to interact during the pandemic. Technology can be used to help facilitate virtual listings and viewings, which helps buyers get a better idea of what their new home looks like before they purchase it.

It also reduces the amount of in-person contact during showings, which is important for limiting the spread of COVID-19. Real estate agents are increasingly using virtual platforms to hold open houses, allowing potential buyers to view the property without leaving their homes.

Additionally, some companies offer 3D home tours that showcase all aspects of a house, giving buyers an immersive experience that allows them to get a feel for the space. Virtual technology also enables agents and sellers to connect with potential buyers more easily and efficiently than ever before.

Finally, these platforms make it easier for agents to manage multiple properties at once while still providing excellent customer service. By leveraging technology in this way, both buyers and sellers can have peace of mind knowing that they are taking steps towards protecting themselves from contracting COVID-19 while still making sure their real estate needs are met.

Maximizing Return On Investment Despite Coronavirus

Procurement

The risks and rewards of selling your home during a pandemic can be daunting, but understanding them is the key to maximizing return on investment. In today's uncertain climate, it's important to assess the market and consider what factors could impact the sale.

Potential buyers may be more cautious about investing in property during a pandemic, so sellers should research their local market conditions before listing their house. It’s also advisable to review any government restrictions that may affect the sale process, such as social distancing measures and reduced open-house hours.

Homeowners should also plan for any necessary repairs or upgrades that could improve their property's value and make it more attractive to potential buyers. While it can be difficult to sell a home during a pandemic, there are still ways to maximize return on investment by taking the right precautions and being strategic about the sale process.

How Has Covid 19 Affect Buying A House?

The Covid-19 pandemic has had a profound impact on buying and selling homes. The health and economic crisis has created a unique set of risks and rewards that homeowners must consider before deciding to sell their home.

With fewer buyers, the market is much slower than before, which can make it difficult to find a buyer. Additionally, since many people are uncertain about their financial situation due to job losses, they may be unable to afford a home in the current market.

On the other hand, there is still plenty of demand for homes from buyers who have saved money due to spending less on travel or entertainment during the pandemic. As a result, homeowners may be able to get more money from their sale than they would have prior to the pandemic.

Understanding these risks and rewards can help homeowners make informed decisions when determining whether or not to sell their home during this uncertain time.

How Many People Can You Have In A House?

Housing discrimination in the United States

The number of people that can be in a house at any given time is an important consideration for anyone considering selling their home during the pandemic. Homeowners must weigh the risks and rewards of opening their doors to potential buyers.

As a general rule, it's best to limit the number of people inside the home to no more than two or three people at a time. This helps minimize risk while still allowing prospective buyers to view the home.

Additionally, all visitors should wear masks and maintain social distancing guidelines. Homeowners should also consider providing hand sanitizer and gloves to those who enter their homes, as well as limiting surfaces that are touched by guests.

Ultimately, understanding how many people can be in a house when selling your home during a pandemic can help ensure a safe and successful sale.

Q: Can I sell my house during the coronavirus pandemic?

A: Yes, you can still sell your house during the coronavirus pandemic. However, there may be certain restrictions in place depending on where you live, so it is best to check with your local government or real estate agent for more information.

Q: How can I safely sell my house during the coronavirus pandemic?

A: If you are considering selling your house during the coronavirus pandemic, it is important to take extra precautions to ensure the safety of everyone involved. Consider limiting in-person showings and allowing virtual tours instead. Use proper sanitizing techniques when preparing for a showing and keep contact with potential buyers to a minimum. Additionally, be sure to follow all local guidelines and ordinances related to the coronavirus concerns.

Q: What rights do I have as a homeowner to sell my house during the coronavirus pandemic?

Sales

A: According to the National Association of Realtors (NAR), homeowners have the right to list their property with a realtor® or listing broker. They can also choose to sell independently, but it is strongly recommended that they seek professional guidance from a licensed real estate professional.

Q: Can I still sell my house with coronavirus, even if I don't use a broker or iBuyer?

A: Yes, you can still sell your house with coronavirus without using a broker or an iBuyer. However, it is important to note that brokers and iBuyers can provide valuable assistance in navigating the process, such as handling paperwork and helping you find potential buyers.

Q: Can I still sell my house during the coronavirus pandemic?

A: Yes, it is still possible to sell your house during the coronavirus pandemic. However, it is important to follow safety guidelines and take extra precautions to ensure that everyone involved in the process remains healthy and safe.

Q: Can I still sell my house during the coronavirus pandemic in accordance with the Federal Fair Housing Act?

Mortgage loan

A: Yes, you can still sell your house during the coronavirus pandemic. The Federal Fair Housing Act prohibits discrimination in housing-related transactions, such as selling a house, based on race, color, national origin, religion, sex, disability and familial status. As long as your sale is conducted without discrimination of any kind it is compliant with the law.

Q: Can I sell my house during the coronavirus pandemic?

A: Yes, it is possible to sell your house during the coronavirus pandemic. However, due to social distancing requirements and other safety precautions, the process may take longer than usual and you should expect delays. It is important to talk to your real estate agent about how best to proceed with a safe sale while following all necessary guidelines.

Q: Can I sell my house with the Coronavirus pandemic?

A: Yes, you can still sell your house during the Coronavirus pandemic. The Centers for Disease Control and Prevention (CDC) recommends that homeowners ensure that they take all necessary precautions to avoid potential exposure to COVID-19 when selling their home. Depending on your lender, you may also be able to modify your existing home loan if needed.

Q: Can I sell my house during the Coronavirus pandemic?

Centers for Disease Control and Prevention

A: Yes, you can sell your house during the Coronavirus pandemic however it is recommended that you take extra safety measures and precautions to ensure the safety of yourself and potential buyers. This could include virtual tours, wearing masks, and cleaning any surfaces that are touched.

Q: What are the risks and rewards of selling my house during the Coronavirus pandemic?

A: Selling your home during a pandemic can be both risky and rewarding. It is important to understand what real estate market trends exist in your area, as well as current mortgage rates and homeowner insurance policies. All of these factors should be considered before making a decision to sell your home during this time.

Q: Can I sell my house during a shelter-in-place or stay-home order due to the coronavirus?

A: Yes, you can still put your house up for sale during a shelter-in-place or stay-at-home order. However, it's important to follow local and state health guidelines when hosting open houses and showings. For example, you should ensure that all visitors wear face masks, practice social distancing, and avoid touching surfaces.

Q: Can I sell my house during the stay-at-home period and still maintain social distancing?

Information

A: Yes, it is possible to sell your house during the stay-at-home period while following social distancing guidelines. Virtual tours or showings with limited people can help facilitate this process.

Q: Can I sell my house during the coronavirus pandemic?

A: Yes, you can still sell your house during the coronavirus pandemic. However, it will likely require additional safety precautions to ensure the health and safety of both you and potential buyers. This may include virtual tours, limiting in-person visits, and providing pre-printed documents or online forms.

Q: What are the risks and rewards of selling my home during the coronavirus pandemic?

A: There are both risks and rewards associated with selling your home during this time. On one hand, there may be less competition in the housing market due to fewer buyers, which could benefit you as a seller. However, there is also the potential for increased difficulty in finding qualified buyers or securing financing for them due to economic instability. Ultimately, it is important to weigh all of these factors before making a decision about whether or not to list your home during this uncertain time.

Q: Can I sell my house in the U.S. markets despite the executive orders issued due to the coronavirus outbreak in America?

COVID-19

A: Yes, you can still sell your house in the U.S. markets despite the executive orders issued due to the coronavirus outbreak as long as you abide by all local regulations and safety protocols.

Q: Can I sell my house during the coronavirus outbreak?

A: Yes, it is still possible to sell your house during the coronavirus outbreak. However, due to social distancing guidance, you may need to adjust the buying and selling process in order to keep everyone safe. Consider virtual tours and online document signing instead of in-person meetings. Use caution when allowing visitors into your home for viewings and ensure that both you and potential buyers are following local guidelines on mask-wearing and social distancing.

Q: What are the risks and rewards of selling my home during the coronavirus pandemic?

A: Selling your home during the coronavirus pandemic may be a difficult decision. The risks include being unable to conduct an in-person open house, potential buyers not being able to get mortgages or financing due to economic uncertainty, and fewer potential buyers in the market. On the other hand, you may be able to take advantage of low interest rates, motivated buyers who are eager to find a home, and increased digital marketing opportunities. Ultimately you should weigh your options carefully and make sure that a sale is right for you.

Q: Can I sell my house during the coronavirus pandemic?

Rocket Mortgage

A: Yes, you can still sell your house during the coronavirus pandemic. However, it may take longer to complete the sale due to restrictions on open houses and in-person viewings. You may also need to make certain adjustments to accommodate buyers who are concerned about safety and hygiene when viewing properties.

Q: What risks and rewards are associated with selling my home during the coronavirus crisis?

A: Selling a home during the coronavirus crisis can be a difficult decision since it comes with both risks and rewards. On the one hand, there may be fewer buyers in the market due to economic uncertainty, which could make it harder to find a buyer. On the other hand, there may also be an increased demand for housing as people look for more space or move away from busy cities. Ultimately, each seller must weigh these risks and rewards before making a decision.

Q: Can I sell my house during the coronavirus pandemic?

A: Yes, you can still sell your house during the coronavirus pandemic. However, it is important to take appropriate precautions to protect both you and potential buyers. This includes limiting physical contact, encouraging virtual tours and open houses, and ensuring that all parties follow social distancing guidelines.

Q: What should I consider before selling my house during the coronavirus pandemic?

A: Before selling your house during the coronavirus pandemic, it is important to understand the risks associated with doing so, research the current market conditions to ensure you get a fair price for your property, prepare your home for sale by making any necessary repairs or renovations, and find a reliable real estate agent to help guide you through the process.

Q: How can I negotiate with buyers and close the sale of my house during the coronavirus pandemic?

A: You should consider virtual open houses, online showings, and alternative closing arrangements in order to safely negotiate with buyers and close the sale of your house. Be sure to check with legal or financial professionals for guidance about any changes to procedures or contracts.

COVID-19 PANDEMIC, PROPERTY RIGHTS REAL ESTATE BROKERAGES CDC’S CDC'S RKT
ROCKET COMPANIES, INC. ROCKET MORTGAGE, LLC OCCUPATIONAL SAFETY AND HEALTH SHELTER-IN-PLACE ORDERS STAY AT HOME SHELTER IN PLACE
SOCIAL DISTANCE ADDENDA RIDER ADDENDUM MLS LOANS
LENDERS DISABILITIES LEGAL COUNSEL TECHNOLOGIES INVENTORY FACE COVERING
DATA QUARANTINING QUARANTINE PHOTOGRAPHY LLC EMAILS
MEDICAL CONDITIONS ILLNESS PHONE NOTARIZATION ALCOHOL-BASED HAND SANITIZER APPLE
APPLE LOGO APPLE INC. TRADEMARKS REGISTERED TRADEMARK SHELTER IN PLACE ORDERS SHELTER IN PLACE
REMOTE WORK REALTY HOLD HARMLESS HOMEOWNERS INSURANCE GOOGLE GOOGLE LLC
FANNIE MAE WITH COVID-19 CONSUMERS CHILDREN ZOOM SUBSIDIARY
SUBSIDIARIES SOAP REFINANCING APPLICATIONS NYSE APPS LANDLORD
KNOWLEDGE HANDWASHING EQUITY DETROIT DETROIT, MI DEED
LENDERS APARTMENTS THE REAL ESTATE DURING THE COVID19 A REAL ESTATE THE REAL ESTATE INDUSTRY

Can I Sell My House With Coronavirus. Selling House Coronavirus

Can My Parents Sell Me Their House Cheap Can You Gift A House To A Family Member
Can You Sell Half Of A Duplex Can You Work With More Than One Realtor
Checklist For Selling A House Companies That Buy Houses And Rent Them Back To You
Do Homes With Solar Sell Faster Does Staging Help Sell A House
Downsizing House With Kids Feng Shui For Selling A House
Getting My House Ready To Sell Home Seller Tips 2023
House On The Market For A Long Time How Long Does A House Showing Take
How Long Should It Take To Sell A House How Much Could I Sell My House For
How Much Will I Make From Selling My House How To Downsize Your House
How To Know When To Sell Your House How To Make Your Carpet Smell Good
How To Prepare Your House To Sell How To Sell My House To My Son
How To Sell Your House For Top Dollar How To Sell Your House Rent To Own
How To Stage A House For Sale How To Winterize Property
I Dont Want To Sell My House I Paid Too Much For My House
Ibuyer Vs Real Estate Agent Patron Saint To Sell Home

Hidden
Address Autofill

By clicking Get My Cash Offer, you agree to receive text messages, autodialed phone calls, and prerecorded messages from Cash Buyers or one of its partners.

This field is for validation purposes and should be left unchanged.
Copyright © 2024
linkedin facebook pinterest youtube rss twitter instagram facebook-blank rss-blank linkedin-blank pinterest youtube twitter instagram