Category: Real Estate

5 Reasons Why Homeownership Is a Good Financial Investment 擁有房屋是聰明投資的5個原因

5 Reasons Why Homeownership Is a Good Financial Investment

According to a recent report by Trulia, “buying is cheaper than renting in 100 of the largest metro areas by an average of 37.7%.” That may have some thinking about buying a home instead of signing another lease extension. But, does that make sense from a financial perspective?

根據Trulia最近的一份報告,“在100個大都市圈地區,購屋比租屋便宜平均37.7%”,這可能使有些人想要購屋而不是再簽下一年的租約,但是,從理財觀點來看,這是值得的投資嗎?

In the report, Ralph McLaughlin, Trulia‘s Chief Economist explains:
在報告中,Trulia首席經濟學家Ralph McLaughlin解釋說: (more…)

Is Getting a Home Mortgage Still Too Difficult?

Is Getting a Home Mortgage Still Too Difficult?

There is no doubt that mortgage credit availability is expanding, meaning it is easier to finance a home today than it was last year. However, the mortgage market is still much tighter than it was prior to the housing boom and bust experienced between 2003 – 2006.

毫無疑問,房屋貸款的可得性正在擴大,這意味著現在比去年更容易拿到貸款,然而,房貸市場仍然比2003 – 2006年房市繁榮和蕭條期間更為嚴格。

The Housing Financing Policy Center at the Urban Institute just released data revealing two reasons for the current exceptionally high credit standards:

城市研究所的住屋金融政策中心剛剛發布了最新數據,揭示了目前異常高信用標準的兩個原因: (more…)

Mortgage Interest Rates Just Went Up… Should I Wait to Buy?

Mortgage Interest Rates Just Went Up… Should I Wait to Buy?

Mortgage interest rates, as reported by Freddie Mac, have increased over the last several weeks. Along with Freddie MacFannie Mae, the Mortgage Bankers Association and the National Association of Realtors are all calling for mortgage rates to continue to rise over the next four quarters.

Freddie Mac的報導指出房貸利率在過去幾周持續增漲,Freddie Mac、Fannie Mae、房貸銀行家協會和全國房地產經紀人協會皆呼籲,房貸利率會在未來四個季度繼續上漲。

This has caused some purchasers to lament the fact they may no longer be able to get a rate less than 4%. However, we must realize that current rates are still at historic lows.

使得一些購屋者感到遺憾的是,他們可能不再能夠獲得低於4%的利率,但是我們必須認知到的是,目前的利率仍然處於歷史低點。

Here is a chart showing the average mortgage interest rate over the last several decades.

以下為顯示了過去幾十年的平均利率圖表。 (more…)

5 Reasons to Hire a Real Estate Professional When Buying & Selling!

5 Reasons to Hire a Real Estate Professional When Buying & Selling!

Whether you are buying or selling a home, it can be quite an adventurous journey; you need an experienced Real Estate Professional to lead you to your ultimate goal. In this world of instant gratification and internet searches, many sellers think that they can For Sale by Owner or FSBO.

無論您是買屋還是賣屋,都會是個充滿冒險的旅程,您需要一位經驗豐富的房地產專業人員,幫助您達成最終目標。在這個隨時都是即時滿足和網路搜索的世界,許多賣家認為他們可以自己出售房屋。

The 5 Reasons You NEED a Real Estate Professional in your corner haven’t changed, but rather have been strengthened, due to the projections of higher mortgage interest rates & home prices as the market continues to pick up steam. 

為什麼您需要一位房地產專業人員協助您的五個原因沒有改變,隨著利率升高的預測和房價持續增長,而更加需要。

1. What do you do with all this paperwork?
您該如何處理買賣文件?

(more…)

Existing Home Sales Surge Forward Through Fall [INFOGRAPHIC]

Existing Home Sales Surge Forward Through Fall [INFOGRAPHIC]

Some Highlights:
重點整理

  • The National Association of Realtors (NAR) recently released their latest Existing Home Sales Report.
    全國房地產經紀人協會(NAR)最近發布了最新的現有房屋銷售報告。

  • First-time homebuyers made up 33% of all sales in October.
    首次購房者佔10月份銷售額的33%。
  • Homes are selling quickly with 43% of homes on the market for less than a month.
    房屋在市場上快速銷售,43%的房屋在上市不到一個月內成交。
  • A limited supply continues to drive up prices for the 56th consecutive month.
    有限的供應量持續連續第56個月推高房價。

Thinking of Selling? Don’t Overlook an Outdated Kitchen, Buyers Won’t 想賣屋嗎?別忽視老舊廚房,買家們不會

Thinking of Selling? Don’t Overlook an Outdated Kitchen, Buyers Won’t

If you are planning on listing your home for sale, make sure that you don’t overlook the condition of your kitchen. A recent article on realtor.com listed “7 Signs Your Kitchen Is Way Overdue for a Renovation,” in which they warned:

如果您正計劃要出售房屋,請確保注重您廚房的狀況。 最近一篇realtor.com的文章列出了“7個您的廚房需要重新裝修的標誌“,文章中警告:

“Dated kitchens—just like bathrooms—are a major barrier for resale. Buyers want modern amenities and styling, and most aren’t interested in renovating post-purchase.”

“老舊的廚房 – 就像浴室 – 是賣屋的主要障礙。買家想要現代化的設施和造型,大多數人對購屋後裝修不感興趣。”

(more…)

Why Are Mortgage Interest Rates Increasing? 為什麼房貸利率正在上漲?

Why Are Mortgage Interest Rates Increasing?

According to Freddie Mac’s latest Primary Mortgage Market Survey, the 30-year fixed rate mortgage interest rate jumped up to 3.94% last week. Interest rates had been hovering around 3.5% since June, and many are wondering why there has been such a significant increase so quickly.

根據房地美最新的主要房貸市場調查,30年期固定利率上週上升至3.94%。自6月以來,利率一直徘徊在3.5%左右,許多人都想知道為什麼利率一下子高漲的這麼快。

Why did rates go up?
為什麼利率上漲?

(more…)

Winter Is Coming… 5 Reasons to Sell Now! 冬天要來了…. 現在賣屋的5個理由!

Winter Is Coming… 5 Reasons to Sell Now!

People across the country are beginning to think about what their life will look like next year. It happens every fall; we ponder whether we should relocate to a different part of the country to find better year-round weather, or perhaps move across the state for better job opportunities. Homeowners in this situation must consider whether they should sell their house now or wait.

現在大家都開始為明年計畫,每年秋天,許多人會考慮是否該搬遷到有著更好天氣的地區,或是搬家到其他州獲得更好的就業機會,許多屋主也在考慮是否該賣屋還是再等等。

If you are one of these potential sellers, here are five important reasons to sell now instead of in the dead of winter.

如果您是正在考慮賣屋的屋主,以下是應該現在就開始賣屋,而不是繼續等待的五個重要理由。

(more…)

Homes Across the Country Are Selling Fast! [INFOGRAPHIC]

Homes Across the Country Are Selling Fast! [INFOGRAPHIC]

Some Highlights:
重點整理

  • The National Association of REALTORS® surveyed their members for the release of their Confidence Index.
    REALTORS®全國協會調查了成員們的信心指數。
     
  • The REALTORS® Confidence Index is a key indicator of housing market strength based on a monthly survey sent to over 50,000 real estate practitioners. Practitioners are asked about their expectations for home sales, prices and market conditions.
    REALTORS®信心指數是每月向超過50,000名房地產從業人員進行調查的住房市場實力關鍵指標,詢問專業人員對房屋銷售,價格和市場條件的期望。
  • Homes sold in 60 days or less in 42 out of 50 states, and Washington D.C.
    在50個州中的42州與華盛頓D.C.,房屋成交於60天以內。
  • Homes sold in 30 days or less in 17 states.
    有17州房屋成交於30天以內。

From Empty Nest to Full House… Multigenerational Families Are Back!

From Empty Nest to Full House… Multigenerational Families Are Back!

Multigenerational homes are coming back in a big way! In the 1950s, about 21%, or 32.2 million Americans shared a roof with their grown children or parents. According to a recent Pew Research Center report, the number of multigenerational homes dropped to as low as 12% in 1980 but has shot back up to 19%, roughly 60.6 million people, as recently as 2014.

多代同堂房屋最近又流行起來囉!在1950年代,大約有21%,或3,220萬美國人與他們成年的孩子或者父母同住。根據最近皮尤研究中心的報告,1980年時多代同堂房屋數量下降到12%,但至2014年時回升至19%,大約6,060萬人。

Multigenerational households typically occur when adult children (over the age of 25) either choose to, or need to, remain living in their parent’s home, and then have children of their own. These households also occur when grandparents join their adult children and grandchildren in their home.

多代同堂家庭通常發生於成年子女(25歲以上)選擇或需要繼續生活在父母的家中,並擁有自己的孩子,這些家庭同時也發生在祖父母搬遷入他們的成年子女和孫子女的房屋。

According to the National Association of Realtors’ (NAR) 2016 Profile of Home Buyers and Sellers, 11% of home buyers purchased multigenerational homes last year. The top 3 reasons for purchasing this type of home were:

根據全國房地產經紀人協會(NAR)2016年買家和賣家資料調查顯示,去年有11%的購屋者購買了多代同堂房屋,購買這種類型房屋的前3個原因是: (more…)