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…)

Facebook Comments

You Can Never Have TMI about PMI

You Can Never Have TMI about PMI

When it comes to buying a home, whether it is your first time or your fifth, it is always important to know all the facts. With the large number of mortgage programs available that allow buyers to purchase a home with a down payment below 20%, you can never have Too Much Information (TMI) about Private Mortgage Insurance (PMI).

購買一棟房屋時,無論是您第一次購屋或是第五次購屋,知道所有的事實總是重要的。目前有大量的房屋貸款計劃允許買家以低於20%的頭期款來購買房屋,多知道一點資料(TMI)有關私人房貸保險(PMI)是有益的。

What is Private Mortgage Insurance (PMI)?
什麼是私人房貸保險(PMI)?

Freddie Mac defines PMI as:
Freddie Mac將PMI定義為: (more…)

Facebook Comments

A Lack of Listings Remains ‘Huge’ Challenge in the Market

A Lack of Listings Remains 'Huge' Challenge in the Market

The housing crisis is finally in the rearview mirror as the real estate market moves down the road to a complete recovery. Home values are up, home sales are up, and distressed sales (foreclosures & short sales) are at their lowest mark in over 8 years. This has been, and will continue to be, a great year for real estate.

住房危機終於隨著房地產市場的徹底復甦而被拋在腦後,房屋價值上漲,房屋銷售量上漲,不良銷售房屋(銀行屋和短期銷售屋)為8年內最低點,今年是,並將持續是,房地產市場大好的一年。

However, there is one thing that may cause the industry to tap the brakes: a lack of housing inventory. According to the National Association of Realtors (NAR), buyer traffic and demand continues to be the strongest it has been in years. The supply of homes for sale has not kept up with this demand and has driven prices up in many areas as buyers compete for their dream home.

然而有件事可能會導致市場踩剎車:缺乏出售房庫存。根據全國房地產經紀人協會(NAR)指出,買家的流量和需求仍然是近年來最強大的,但出售房屋的供應並沒有跟上這需求,導致房屋價格高漲,買家們買屋的競爭激烈。 (more…)

Facebook Comments

Why Waiting Until After the Holidays to Sell Isn’t a Smart Decision

Why Waiting Until After the Holidays to Sell Isn’t a Smart Decision

Every year at this time, many homeowners decide to wait until after the holidays to put their homes on the market for the first time, while others who already have their homes on the market decide to take them off until after the holidays. Here are six great reasons not to wait:

每年這個時候,許多屋主決定等到年底節日假期之後再開始賣房子,或是有些房屋已經在市場上出售的屋主決定暫時不賣了,等到假日之後將再次出售。以下是不應該這麼做的六個重要原因: (more…)

Facebook Comments

[Laguna Hills] Mint Restaurant

Mint Restaurant

After my doctor’s appointment, I was in the mood for Indian food.
I found Mint Restaurant on Yelp with high reviews, and decided to give this place a try.
The restaurant is small with not much decor.

看完醫生後肚子很餓,忽然很想吃印度料理,
手機拿出來Yelp上找了一下,找到附近這家評價很高的Mint Restaurant,
那就來試試看吧!餐廳很小,也沒有什麼佈置。 (more…)

Facebook Comments

The Truth About Housing Affordability 有關房屋負擔能力的事實

The Truth About Housing Affordability

From a purely economic perspective, this is one of the best times in American history to buy a home. Black Night Financial Services discusses this in their most recent Monthly Mortgage Monitor.

從純粹的經濟角度來看,目前正是美國歷史上買房的最好時機,黑夜金融服務公司在其最新的月度利率監控報告中討論這一點。

Here are two of the report’s revelations:
以下為報告中兩個重點:

  1. The average U.S. home value increased by $13,500 from last year, but low interest rates have kept the monthly principal & interest payment needed to purchase a median-priced home almost equal to one year ago.
    美國的平均房價比去年增加了$13,500美元,但低利率使得購買房屋所需的每月房貸幾乎與一年前相同。
  2. Home affordability still remains favorable compared to long-term historic norms.
    與長期的歷史規範相比,購買房屋的負擔能力仍然是對買家有利的。

The report explains:
報告解釋: (more…)

Facebook Comments

The Dangers of “Tight Mortgage Credit” Headlines

The Dangers of “Tight Mortgage Credit” Headlines

The availability of mortgage credit is not at the same level that it was during the boom in housing (2005), and that’s good news. However, the constant headlines which talk about “tight credit” are causing some potential home buyers to doubt their ability to purchase. We want to rectify the misconception of what is required for a down payment in order to purchase a home in today’s market.

房屋貸款的可得性與2005年房地產市場情況大不相同,這是個好消息,然而,許多談論“信用緊縮”的標題報導,卻誤導了購屋者懷疑自己的購買能力,讓我們來糾正對於在目前市場中購買房屋所需頭期款的誤解。

Freddie Mac recently discussed the confusion many first-time homebuyers have about the down payment they need in order to buy:

Freddie Mac最近討論了許多首次購屋者對於購屋所需頭期款的混淆觀念: (more…)

Facebook Comments

It’s Not Always Marriage Before Mortgage 不一定要先結婚再購屋

It’s Not Always Marriage Before Mortgage

There are many people sitting on the sidelines trying to decide if they should purchase a home or sign a rental lease. Some might wonder if it makes sense to purchase a house before they are married and have a family. Others may think they are too young. And still, others might think their current income would never enable them to qualify for a mortgage.

有很多人正在考慮是否該買房子還是租房子,有些人可能想知道在結婚生子前購屋是否有意義,也有些人覺得自己太年輕,更有些人認為當前收入絕對沒辦法拿到房屋貸款。

We want to share what the typical first-time homebuyer actually looks like based on the National Association of REALTORS most recent Profile of Home Buyers & Sellers. Here are some interesting statistics on the first-time buyer:

根據國家房地產經紀人協會最近的房屋買家和賣家檔案,讓我們來分享典型的首次購屋者資料,以下為首次購買者一些有意思的統計: (more…)

Facebook Comments

[Newport Beach] TLT Food

TLT Food

I attended a Yelp tasting event at TLT Food in their newest location in Newport Beach.
I’ve been to their Irvine Spectrum location, and love their unique spin on tacos.

參加了Yelp在TLT Food新開的新港分店辦的試吃活動,
之前去過他們爾灣的分店,很喜歡他們自己創新的塔可口味。 (more…)

Facebook Comments

NAR Reports Show Now Is a Great Time to Sell! NAR報告指出現在正是售屋好時機!

NAR Reports Show Now Is a Great Time to Sell!

We all realize that the best time to sell anything is when demand is high and the supply of that item is limited. The last two major reports issued by the National Association of Realtors (NAR) revealed information that suggests that now continues to be a great time to sell your house.

我們都知道,出售任何東西的最佳時機是當需求高且供應量有限的時後,全國房地產經紀人協會(NAR)最近發布的兩份報告顯示,現在正是賣房子的好時機。

Let’s look at the data covered by the latest Pending Home Sales Report and Existing Home Sales Report.

讓我們來看看最新的待售房屋銷售報告和現有房屋銷售報告所涵蓋的數據。

THE PENDING HOME SALES REPORT
待售房屋銷售報告

The report announced that pending home sales (homes going into contract) are up 2.4% over last year, and have increased year-over-year now for 22 of the last 25 consecutive months.

該報告宣布,待售房屋(已簽訂合同的房屋)與去年相比增長2.4%,這是在過去25個月份中持續第22個增長的月份。

Lawrence Yun, NAR’s Chief Economist, had this to say:
NAR的首席經濟學家Lawrence Yun表示: (more…)

Facebook Comments