Category: Real Estate

Buying a Home? 4 Demands to Make on Your Real Estate Agent 購屋嗎?對您房仲的4個要求

Buying a Home? 4 Demands to Make on Your Real Estate Agent

Are you thinking of buying a home? Are you dreading having to walk through strangers’ houses? Are you concerned about getting the paperwork correct? Hiring a professional real estate agent can take away most of the challenges of buying. A great agent is always worth more than the commission they charge, just like a great doctor or great accountant.

您正想著要買房子嗎?您害怕進入陌生人的家裡嗎?您擔心買房的文件填寫正確嗎?聘請專業的房地產仲介經紀人可以幫助您解決購屋過程的挑戰,擁有一位優秀的房仲絕對比他們得到的佣金更超值,就像一位優秀的醫生或優秀的會計師一樣。

You want to deal with one of the best agents in your marketplace. To do this, you must be able to distinguish an average agent from a great one.

您想要雇用最優秀的房仲,就必須學會區分普通的房仲和優秀的房仲。

Here are the top 4 demands to make of your real estate agent when buying a home:
以下是您購買房屋時應該對房仲提出的四項要求: (more…)

Taking the Fear out of the Mortgage Process 不要害怕房貸程序

Taking the Fear out of the Mortgage Process

A considerable number of potential buyers shy away from jumping into the real estate market due to their uncertainty about the buying process. A specific cause for concern tends to be mortgage qualification.

許多買家由於對購買過程的不確定性而不願意進入房地產市場,其中一個原因通常是房貸資格。

For many, the mortgage process can be scary, but it doesn’t have to be!
對許多人來說,可能對房屋貸款過程感到恐懼,但真的不用害怕!

In order to qualify in today’s market, you’ll need to have saved for a down payment (the average down payment on all loans was 11% last month, with many buyers putting down 3% or less), a stable income and good credit history.

要在今日的市場條件中符合貸款的條件包括,您需要有足夠的頭期款(上個月所有貸款的平均頭期款為11%,許多買家只付了3%或更低的頭期款),穩定的收入和良好的信用歷史。 (more…)

Buying a Home Can Be Scary… Know the Facts [INFOGRAPHIC] 買房子很可怕嗎?知道事實就不用怕 [圖表]

Buying a Home Can Be Scary... Know the Facts [INFOGRAPHIC]

Some Highlights:
重點整理

  • 36% of Americans think they need a 20% down payment to buy a home.
    36%的美國人認為他們需要20%頭期款才能購買房屋。
  • 44% of Millennials who purchased a home this year have put down less than 10%.
    今年購買房屋的千禧世代中有44%只付了10%以下的頭期款。
  • 71.8% of loan applications were approved last month.
    上個月有71.8%的房屋貸款申請批准。
  • The average credit score of approved loans was 731 in September.
    9月份批准房貸的平均信用評分為731。

Percentage of Homeownership by Decade and by State 歷史與每州的房屋擁有率

Percentage of Homeownership by Decade and by State

There has been a lot of talk about the falling homeownership rate in the United States. In December 2004, the homeownership rate reached an all-time high of 69.4%, while the current rate is 62.9%. When comparing these two figures, there is some room for concern regarding the difference.

最近有許多關於美國房屋擁有率下降的討論,2004年12月房屋擁有率達到69.4%的歷史新高,而目前的房屋擁有率為62.9%,當比較這兩個數字時,要注意還是有些不同的差異。

However, today we want to shine some light on the issue by:
今天我們要通過以下方式回答一些問題:

  1. Showing what historic homeownership rates have looked like over the last 130 years.
    過去130年歷史的房屋擁有率。
  2. Breaking down the current percentages by state.
    目前每州的房屋擁有率。

(more…)

What to Expect When Home Inspecting 房屋檢驗時

What to Expect When Home Inspecting

So you made an offer, it was accepted, and now your next task is to have the home inspected prior to closing. More often than not, your agent may have made your offer contingent on a clean home inspection.

所以您開價了,也被接受了,現在您的下一個任務就是在成交前檢驗房屋,通常您的房仲在開價中會要求通過房屋檢驗的附帶條件。

This contingency allows you to renegotiate the price paid for the home, ask the sellers to cover repairs, or even, in some cases, walk away. Your agent can advise you on the best course of action once the report is filed.

這項附帶條件允許您重新談判房價,要求賣家進行維修,甚至在某些情況下,取消出價,您的房仲可以在檢驗報告提交後給您最佳的建議。

How to Choose an Inspector
如何選擇房屋檢驗公司

(more…)

Buying is Now 37.7% Cheaper Than Renting in the US 現在在美國購屋比租屋便宜了37.7%

Buying is Now 37.7% Cheaper Than Renting in the US

The results of the latest Rent vs. Buy Report from Trulia show that homeownership remains cheaper than renting with a traditional 30-year fixed rate mortgage in the 100 largest metro areas in the United States.

Trulia最新的租屋與購買報告結果顯示,在美國100大都市區中,以30年固定利率購屋比租屋更便宜。

The updated numbers actually show that the range is an average of 17.4% less expensive in Honolulu (HI), all the way up to 53.2% less expensive in Miami & West Palm Beach (FL), and 37.7% nationwide!

更新後的數據表明,檀香山(夏威夷州)便宜了17.4%,邁阿密和西棕櫚灘(佛羅里達州)更便宜了高達53.2%,全國平均便宜了37.7%。

Other interesting findings in the report include:
報告中的其他有趣的發現包括:

(more…)

Sales of Distressed Properties Hit New Low 困厄房地產的銷售額達到新低

Sales of Distressed Properties Hit New Low

The National Association of Realtors (NAR) recently released their latest Existing Home Sales Report revealing that distressed property sales accounted for 4% of sales in September. This is down from 7% in 2015, and is the lowest figure since NAR began tracking distressed sales in October 2008.

全國房地產經紀人協會(NAR)最近發布了他們最新的現有房屋銷售報告,顯示困厄房地產銷售佔9月銷售額的4%,這比2015年的數據下降了7%,是自2008年10月NAR開始追踪困厄銷售以來的最低數字。

Below is a graph that shows just how far the market has come since January 2012 when distressed sales accounted for 35% of all sales.

下圖顯示了自2012年1月困厄銷售高達35%以來市場的走向。 (more…)

7 Graphs That Show the Real Estate Market Is Back! [INFOGRAPHIC] 七個顯示房地產市場回來了的圖表

7 Graphs That Show the Real Estate Market Is Back! [INFOGRAPHIC]

Some Highlights:
重點整理

  • Distressed property sales fell to its lowest number since NAR began tracking it in 2008.
    自2008年NAR開始追踪以來,不良房地產銷售跌至最低水平。
  • As you can see, with less distressed properties, sales are up in all price ranges except the $0 – $100K price range.
    正如您所看到的,剔除了不良房地產,除了$0 – $10萬價格範圍的房屋以外,其他所有價格範圍的房價均上漲。
  • Interest rates are still at historic lows, signifying that now is the right time to buy!
    利率仍然處於歷史低點,意味著現在正是買屋的好時機!

The ‘Great News’ About Rising Prices 房價上漲的“好消息”

The ‘Great News’ About Rising Prices

Recently there has been a lot of talk about home prices and if they are accelerating too quickly. In some areas of the country, seller supply (homes for sale) cannot keep up with the number of buyers out looking for a home, which has caused prices to rise.

最近有許多有關房價的話題,討論是否上漲的太快,在美國一些地區,賣方供應(出售的房屋)無法跟上正在尋找房屋的買家數量,而導致房價上漲。

The great news about rising prices, however, is that according to CoreLogic’s latest US Economic Outlook, the average American household gained over $11,000 in equity over the course of the last year, largely due to home value increases.

然而,關於房價上漲的好消息是,根據CoreLogic最新的“美國經濟展望”報導指出,在過去一年中,美國家庭的平均總收入賺入了超過$11,000美元的抵押資產,主要是由於房屋價值的增長。

The map below was created from CoreLogic’s report and shows the average equity gain per mortgaged home from June 2015 to June 2016 (the latest data available).

下圖是根據CoreLogic的報告,顯示了2015年6月至2016年6月的平均抵押資產收益(最新數據)。 (more…)

Starting to Look for a Home? Know What You WANT vs. What You NEED 開始尋找房屋?您想要什麼 vs. 您需要什麼

Starting to Look for a Home? Know What You WANT vs. What You NEED

In this day and age of being able to shop for anything anywhere, it is really important to know what you’re looking for when you start your home search.

在這個能夠在任何地方購物的時代,在您開始尋找房屋時,了解您要的是什麼是非常重要的。

If you’ve been thinking about buying a home of your own for some time now, you’ve probably come up with a list of things that you’d LOVE to have in your new home. Many new homebuyers fantasize about the amenities that they see on television or Pinterest, and start looking at the countless homes listed for sale with rose-colored glasses.

如果您已經有一段時間一直在想著擁有一個自己的家,您可能已經有一份希望新家擁有條件的清單,許多首次購屋者想像著他們在電視上或是Pinterest上看到房屋,戴上玫瑰色的眼鏡開始參觀無數間出售房屋。

Do you really need that farmhouse sink in the kitchen in order to be happy with your home choice? Would a two-car garage be a convenience or a necessity? Could the man cave of your dreams be a future renovation project instead of a make or break now?

您真的需要廚房大型水槽才會對這棟房屋滿意嗎?兩輛車的車庫只是方便還是必要的?是否您夢想中的男主人特有區可能是個未來可改建的項目,而不是現在就踩住煞車的條件? (more…)