4 Reasons to Buy Your Dream Home This Winter

As the temperature in many areas of the country starts to cool down, you might think that the housing market will do the same. This couldn’t be further from the truth! Here are 4 reasons you should consider buying your dream home this winter instead of waiting for spring!

隨著溫度開始下降,您可能會認為房屋市場熱度也跟著下降,這完全與事實相反!以下為四個您應該在這個冬天購買夢想房屋的原因,而不是等到春天!

1. Prices Will Continue to Rise
房價將持續上漲

CoreLogic’s latest Home Price Index reports that home prices have appreciated by 6.3% over the last 12 months. The same report predicts that prices will continue to increase at a rate of 5.2% over the next year.

CoreLogic最新的房價指數報告指出,過去12個月內房價已上漲了6.3%,該報告預測,價格將在未來一年持續以5.2%的速度增漲。

The bottom in home prices has come and gone. Home values will continue to appreciate for years. Waiting no longer makes sense.

房屋最低價時期已經來了又過了,房價接下來將持續上升,繼續等待不再有意義。

2. Mortgage Interest Rates are Projected to Increase
房屋貸款利率預計增加

Your monthly housing cost is as much related to the price you pay for your home as it is to the mortgage interest rate you secure.

您的每月住屋成本與您的房屋價格與房貸利率息息相關。

Freddie Mac’s Primary Mortgage Market Survey shows that interest rates for a 30-year mortgage are currently at 4.08%. The Mortgage Bankers Association, Fannie Mae, Freddie Mac & the National Association of Realtors are in unison, projecting that rates will increase by this time next year.

房地美的主要房貸市場調查顯示,30年期貸款的利率目前為4.08%,抵押銀行家協會,房利美,房地美和全國房地產經紀人協會一致預計明年這個時候利率將增加。

An increase in rates will impact YOUR monthly mortgage payment. A year from now, your housing expense will increase if a mortgage is necessary to buy your next home.

利率的增加將影響您每月支付的房屋開銷,一年後如果您需要使用貸款購屋,您的住屋費用將會增加。

3. Either Way You’re Paying a Mortgage
無論租屋買屋您都在付房貸

There are some renters who have not yet purchased a home because they are uncomfortable taking on the obligation of a mortgage. Everyone should realize that, unless you are living with your parents rent free, you are paying a mortgage – either yours or your landlord’s.

有些租屋者並未購屋,因為他們想承擔每月支付房貸的責任,但每個人都應該意識到,除非您和父母免費同住,您還是在支付房屋貸款 – 無論是您自己的房貸或是房東的房貸。

As an owner, your mortgage payment is a form of ‘forced savings’ that allows you to have equity in your home that you can tap into later in life. As a renter, you guarantee your landlord is the person with that equity.

作為屋主,您的房貸費是一種“強制儲蓄”,讓您可以在未來擁有房屋的抵押產權。作為租屋客,保證您的房東是房屋抵押產權的受益人。

Are you ready to put your housing cost to work for you?

您準備好將您的房屋開銷作為自我投資嗎?

4. It’s Time to Move on with Your Life
現在該是過您想要生活的時候了

The ‘cost’ of a home is determined by two major components: the price of the home and the current mortgage rate. It appears that both are on the rise.

房屋的“成本”由兩個主要部分決定:房屋的價格和房貸利率,目前兩者都在上升。

But what if they weren’t? Would you wait?

但如果房價和利率未上漲,您會持續等待嗎?

Look at the actual reason you are buying and decide whether it is worth waiting. Whether you want to have a great place for your children to grow up, you want your family to be safer or you just want to have control over renovations, maybe now is the time to buy.

看看您實際想購屋的原因為何,再決定是否值得等待。無論您是想要換一個更理想的地區讓您的孩子快樂成長,或是想要您的家人更安全,或是您想要有權利掌控整修,也許現在正是購屋的好時機。

If the right thing for you and your family is to purchase a home this year, buying sooner rather than later could lead to substantial savings.

如果您和家人正準備購買房屋,盡快購屋可能幫您省下大筆的金錢!

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