23915 Sapphire Canyon Rd, Diamond Bar

Buying a house requires a lot of time and effort.
But these 10 steps can help make the home buying process manageable,
and help you make the best decisions possible.

買房子需要花很多的時間和精力,
現在只要跟著這十個步驟來買屋,
可讓你省下許多麻煩,
並幫助你做出最佳的決定。

Start Research Early

Step 1: Start Your Research Early

As soon as you can, start reading web sites that have real estate listings.
Make a note of particular homes you are interested in,
and see how long they stay on the market.
Also, not any changes in asking prices.
This will give you a sense of the housing trends in specific areas.

第1步:提早開始搜尋買屋資訊

當你開始想要買屋時,
可以先在網路上多搜尋出售屋的資訊,
特別留意那些吸引你的房屋,
看看這些房子是花了多少時間出售成功,
也特別注意房屋價錢是否有改變,
這些資訊可以讓你更了解目前的房地產趨勢。

How Much House You Can Afford

Step 2: Determine How Much You Can Afford

Lenders generally recommend that people look for homes
that cost no more than 5 times their annual household income
if the home buyers plan to make a 20% down payment
and have a moderate amount of other debt.
But you should make this determination based on your own financial situation.

第2步:評估能買多少錢的房子

貸款公司通常建議,如果計畫支付20%頭期款,
並且有其他債務 (例如車貸,學貸,信用卡債等),
買屋的預算不要超過年收入的五倍以上,
但還是可以依照不同的個人財務狀況來做決定。

Get Preapproved

Step 3: Get Pre-Approved for Your Mortgage

Before you start looking for a home,
you will need to know how much you can actually spend.
The best way to do that is to get pre-approved for a mortgage.
You just need to provide some financial information to your mortgage banker,
such as your income and the amount of savings and investments you have.
Your lender will review this information and tell you how much they can lend you.
This will tell you the price range of the homes you should be looking at.

第3步:獲取房屋貸款預先核准

開始找房子之前,
必須先知道實際上能夠花多少錢來買屋,
最好的辦法就是先拿到房屋貸款預先批准,
你只需要提供房貸專員一些基本的財務資料,
例如收入,儲蓄,和投資財產等,
貸款專員將審核這些資料,
馬上讓你知道可以貸款多少資金給你,
這樣一計算下來,我們就知道該尋找房屋的價位。

Find the Right Real Estate Agent

Step 4: Find the Right Real Estate Agent

Real estate agents are important partners when you are buying or selling a home.
Real estate agents can provide you with helpful information
on homes and neighborhoods that isn’t easily accessible to the public.
Their knowledge of the home buying process, negotiating skills,
and familiarity with the area you want to live in can be extremely valuable.
And best of all, it doesn’t cost you anything to use an agent.
They are compensated from the commission paid by the seller of the house.

第4步:尋找合適的房地產仲介經紀人

買屋或賣屋時,房地產仲介經紀人會是你最重要的合作夥伴,
房仲可提供你許多有關房屋或社區附近有用的資訊,
甚至是並不向一般民眾公開的房屋資訊,
房仲對買屋過程的了解,談判技巧,與地區的熟悉度,
都是可以幫助你順利購屋成功的優點,
最重要的是,使用房仲幫助你購屋是完全免費的,
房仲的佣金是由賣主來支付的。

Shop For Your Home and Make An Offer

Step 5: Shop for Your Home and Make an Offer

Start touring homes in your price range.
It might be helpful to take notes on all the homes you visit.
You might even want to take pictures or video to help you remember each home.
Take as much time as you need to find the right home.
Then work with your real estate agent to negotiate a fair offer
based on the value of comparable homes in the same neighborhood.
Once you and the seller have reached agreement on a price,
the house will go into escrow, which is the period of time it takes
to complete all of the remaining steps in the home buying process.

第5步:參觀房屋和下Offer

開始參觀在房貸價格範圍之內的房屋,
參觀房屋的時候可以多做些筆記,
也可以拍照或是拍影片,幫助你記住每間房屋的特色,
慢慢找慢慢看,來尋找合適的房屋。
找到喜歡的房子後,
請房仲以周圍房屋買賣價格來做comps分析比較,
決定出最適合的價錢下offer,
並與對方協商出同意的價錢。
一旦你與賣方價格達成共識,
房子即可開escrow進入代管,
房子在代管的這段期間,
就是我們要完成所有剩餘步驟的時間。

Select Your Loan

Step 6: Select Your Loan

Lenders have a wide range of competitively priced loan programs.
You will have many questions when you are purchasing a home.
Having an experienced, responsive mortgage banker assists you
can make the process much easier.

第6步:選擇你的貸款計劃

貸款公司通常有許多不同的貸款計劃,
這時你可能對房貸有許多問題,
找一位經驗豐富和溝通良好的房貸專員,
可以幫助你更加容易的處理好與房貸有關的事宜。

Home Inspection

Step 7: Get a Home Inspection

Typically, purchase offers are contingent on a home inspection of the property
to check for signs of structural damage or things that may need fixing.
Your real estate agent usually will help you arrange to have this inspection conducted
within a few days of your offer being accepted by the seller.
This contingency protects you by giving you a chance to renegotiate your offer,
or withdraw it without penalty if the inspection reveals significant material damage.
Both you and the seller will receive a report on the home inspector’s findings.
You can then decide if you want to ask the seller to fix anything before closing the sale.
Before the sale closes, you will have a final walkthrough of the house,
which gives you the chance to confirm that any agreed upon repairs have been made.

第7步:做房屋檢驗

通常情況下,購屋合約包含了房屋檢驗的條件,
房屋檢驗可以檢測出房子是否有結構方面的損壞,和需要修理的地方,
你的房仲通常在offer被接受後的幾天之內就會安排房屋檢驗。
房屋檢驗的結果可以讓買方有個重新議價的機會,
或是直接取消合約並拿回所有訂金。
檢驗之後你和賣家都會收到房屋檢驗報告,
你可以要求賣家修理報告中找到的問題,
房屋成交之前,我們還會再來參觀房屋一次,
確認賣家已經修理好同意的項目。

Home Appraisal

Step 8: Have the Home Appraised

Lenders will arrange for an appraiser
to provide an independent estimate of the value of the house you are buying.
The appraiser is a member of a third party company,
and is not directly associated with the lender.
The appraisal will let all parties involved know that you are paying a fair price for the home.

第8步:做房屋估價

貸款公司會安排專人來做房屋估價,
房屋估價鑑定人是第三方公司指派的,
與貸款公司沒有任何關聯,
房屋估價可讓買賣雙方及貸款公司知道房屋價錢是否合理。

Paperwork

Step 9: Coordinate the Paperwork

As you can imagine, there is a lot of paperwork involved in buying a house.
Your agent will coordinate with sellers to complete needed contracts and disclosures.
Your lender will arrange with escrow and title company to handle all of the paperwork,
and make sure that the seller is the rightful owner of the house you are buying.

第9步:完成所有文書工作

買房子有大量的文件需要處理,
你的房仲會與賣方溝通協調,幫助你完成所有買賣合約文件,
你的貸款專員將與託管和產權公司一同處理所有的貸款文書工作,
並確保賣家是你所購買房子的合法屋主。

Close the Sale

Step 10: Close the Sale

At closing, you will sign all of the paperwork required to complete the purchase.
It typically takes a couple of days for your loan to be funded
after the paperwork is returned to the lender.
Once the check is delivered to the seller,
you are ready to move into your new home!

第10步:房屋成交

房屋成交前,我們會先確認雙方都已簽署所有必須文件,
貸款公司在收到簽署好的最終貸款文件後,
通常需要幾天的時間來拿到貸款金額,
一旦所有貸款金額進了託管公司的帳戶,
我們的房屋就成交了,
拿到鑰匙後你就可以搬進新家囉!

Do you have any questions about how to purchase a home?
Are you thinking about buying a home?
Feel free to contact me for any real estate needs!

大家對在美國加州購屋還有任何問題嗎?
你正在考慮購屋嗎?
歡迎隨時與我聯絡!

Eileen Tien 田艾茹
626.242.7216
OCLAET@gmail.com
http://TienRealty.com

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