Saturday, August 24, 2019

需要购屋协助,按下链接立即与我们联系

或是直接使用线上服务即时通洽谈或留言

FacebookMySpaceTwitterDiggDeliciousStumbleuponGoogle BookmarksRedditNewsvineTechnoratiLinkedinMixxRSS FeedPinterest
I Hsiang (Rex) Tsai

I Hsiang (Rex) Tsai

Tuesday, 19 November 2013 07:58

夏威夷房地產-賣家市場分析

什麼時候賣房子最好?

       夏威夷房地產持續是賣家市場.  許多買家來尋找我協助時常常跟我說之前他們尋找房子實在是非常累而且房子在市場又不多, 等到看見喜歡的時候又被其他人買去讓他們非常懊惱。  這是目前我們發現夏威夷房地產的一個現象。  如果你看見一個不錯的房子,千萬不能有期待心態,因為在你期待的時間,其他人可能已經下去購買而你可能又一次失去機會。 很多人因為不太了解現在的市場情況而失去了他們喜歡的房地產。  至於賣家, 很多人也詢問何時賣他們的房子是最好的時機?

      其實因為每個人的情況不同,不可以一概而論。  如果您是想換一間更大的房子那麼您可以考慮在房地產還沒全盛期先賣您目前的房子。  原因很簡單,請看下面分析。

 

如果你目前的房子價值 500k 美金  而你 想買的房子價值 1000k  美金, 如果我們以 10% 的升值來計算 明年你的房子價格是 550k 而你想買的房子變成 1100k.

原本的差別 是 500k   一年後 差別變成 550k.       如果是這樣的話 還不如現在馬上賣,然後利用現在還是很低的房貸利率來購買你理想的房子。  相反地, 如果你是想買一個比較小的房子那麼以上的分析就不適合。  

 

經過特殊訓練的我,可以幫您在賣房地產的時候取得最好的結果。  歡迎您來信詢問

 

本地人贷款您需要这些文件

1.       2 years tax returns all pages  (2年 报税记录)

2.       2 years W2   (2年 薪资记录)

3.       2 months most recent bank statements for all accounts  (最近2个月的 银行记录)

4.       2 most recent paystubs (最近2个月的薪资证明)

 

Wednesday, 30 October 2013 00:44

外国人为何来美国买房?

All graphs courtesy of the NATIONAL ASSOCIATION OF REALTORS®

 

------------------------------------------------------

---------------------------------------------------------------------------------------------------------------

  • 39% 觉得美国是 一个好的居住环境
  • 31% 觉得房地产是可以有利润的投资升值
  • 22% 觉得是一个可靠稳当的投资方式
  • 8% 其他

 

 

 

许多中国投资人询问过 是否在夏威夷买房可以贷款

让我们在这里做出一些整理。

经过我们与夏威夷银行商谈过后,外国人购屋贷款条件如下

--------------------------------------------------------------

1.  贷款需要以个人名义贷款不可公司名义, 房屋的拥有者需要是个人而非公司

2.  购买的房子要经过银行同意

3.  购买者需要提出以下证明

a.  30天内 薪资证明

b.  2年内报税的薪资证明

c.  如果是自己请自己,请证明您有 25% 的 公司股份

d.  银行存款 近2个月

e.  如果近6个月有房屋买卖- 请提出卖房证明

f.   需要有3个银行信贷证明 (2年)

g.  需要一个美国本地房地产经纪人或律师 当美国代表联系人

 
其他:
  • Translated banks statements   翻译过的银行存款证明
  • Translated tax returns  翻译过的报税记录
  • Income and operational answers referencing the family-run business  如果是自己公司需提出收入证明
  • Copies of other outstanding debt  如果有其他借贷需提供副本资料
  • Copies of their passports  护照影印本
  • Copies their visitor’s visa.  个人签证副本

首付(头期款)需要30-50%  (60万以下的贷款)如果需要百万以上 看情况而定 500万的房子就需要60%的首付(头期款)

 

以上证明需要 有美国专业翻译进行翻译

我们可帮各位寻找专业翻译人员

----------------------------------

以上資料由 夏威夷银行 Bank of Hawaii 提供  

如果需要更进一步的协助, 我们会请他们的专业人员协助您

 

 

现金购房

當然如果资金充沛,现金购房有以下的好处

1.  交房 可以 不需要 45天

2.  增加竞争力 , 与贷款买房人比起  现金买房 卖家更愿意卖您

3.  不需付贷款公司费用 或是 利息

4.  不需要那么多证明

 

 

Thursday, 19 September 2013 00:51

News Update On The Fed's Easy Money Course

The News On The Fed's Decision On Bond Purchase Tapering Follow Up

 

     Federal Reserve officials decided on Wednesday 9/18/13 that the stimulus plan will stay its course.  This is a good news for the home buyer since it will give a bit more time for the home buyer to get into the market before we see a jump in interest rate.  This decision also impacted many of the gold miner stocks since it also has effect on the gold price as well.

 

 

Tuesday, 17 September 2013 20:25

Bond Purchase Tapering, Mortgage Rate, and You

Bond Market Tapering And Real Estate

by I Hsiang Tsai

 

Remember when the Chariman Bernanke talked about adding stimulus at a slower pace, how it impacted the mortgage rate? Yes it did push up the cost of mortgages for millions of Americans. 

 

So some of you may think that it is just talking and that the interest rate goes up and down, but one thing you can’t deny is that the interest rate has been going up and not down back to 3.5%.  

 

The meeting held by the Fed policy makers will likely lower the monthly bond purchase by 10 billion instead of 20 billion as was expected prior.  So what does the tapering means for the home buyers and sellers??

 

4.57 percent was the average rate on a 30-year fixed-rate loan by Sep 12, 2013 and already we are seeing potential buyers are looking eagerly to find a suitable property before the rate goes up any higher.  Higher the mortgage rate means more people will have hard time qualify for the loan.  It also means the possibility of lowering consumer spending which will also affect the economy. 

 

We understand Hawaii’s property has never been too cheap to start with compared to many states.  Most of us look at it as a cost of living in a paradise.  We also watched the news talking about how the cost of home will continue to rise and the affordability window is closing on us.  But I think what it is trying to say is that it will be harder to get a loan as intereate rate rises even higher and that the possibility of the loan amount will be smaller.  If you have a lot of cash laying around then it may not be a problem for you, but for most of us it will be a problem.  

 

While Bernanke’s June 19 remarks that he may reduce securities buying this year and halt it by mid 2014, have you as a buyer or seller started to think about what is the best course for you?

 

As a seller, have you thought about how would mortgage rate increase impact you selling your home?  Some may think that this is a great market to sell your house when buyers are out there looking.  It is correct as long as there are qualified buyers out there.  But what if when those buyers no longer qualified to buy the property at or near your asking price due to rising interest rate?  It means although demand is there yet what good does it do if less people are able to buy even if they want to?  One can hope that investors with cash will just come and buy.  But overall, the rising of interest rate, less qualified buyers, and rising asking price by the sellers will also affect the sellers themselves in the end.  

 

We will keep an eye on how the tapering of bond purchase will be and how it affects the mortgage rate and overall housing market.  Please feel free to comment and discuss your views and opinions.  I also hope that when you or your friends have the need for real estate in Hawaii, you will consider having me and my team to help you.   Please feel free to email us at This email address is being protected from spambots. You need JavaScript enabled to view it." style="text-decoration:none;">This email address is being protected from spambots. You need JavaScript enabled to view it.  or This email address is being protected from spambots. You need JavaScript enabled to view it." style="text-decoration:none;">This email address is being protected from spambots. You need JavaScript enabled to view it. should you have any need for real estate service.

Page 2 of 2

Popular

  • 买房程序简介
  • 夏威夷房地产微信CODE
  • 35年 夏威夷房地产走势
  • 夏威夷顾客推荐文
  • Ward Village Project Hawaii New

买房程序简介

首先请您在 Gouwuhawaii.com    我要购房  (按此进入) 那边填写您的需求, 我们会按照您的需求给您分析以及建议。

我们也会更您说您需要准备什么在看房之前,这样您看房以及买房的程序就会更有效率

 

如果是现金购买, 卖家会要求您提出资金证明 (银行类存款等等 用来证明有足够资金买房)此证明不需要马上就提出,当您的契约被卖家家接受后的3-5天内提出即可- 正确天数 依照合约)

如果是需要贷款, 卖家会要求看 贷款认证许可 (pre-approval letter)    如果您需要贷款又没有此许可证,就算看见喜欢的房产您也不一定可以买到,应为卖家会觉得您贷款上面会有问题。  

以上步骤没问题后再来就是

第一:  相约看房:  如果有适合的房子, 买房可以透过我们房地产经纪人与卖方的委托人进一步的交涉。通常我们会与买家拟定一个合适的价格 (OFFER) 然后 作出 书面的出价 (购屋合同)里面包含购买价格,付款方式,订金,交屋, 托管公司,房屋检查,等等。  买方需要写一个支票来支付订,支票抬头写托管公司然后给我们 (买方经纪人),或是如果没有美国银行账户外国买家也可提议在OFFER接受的3天内汇款订金。  如果卖方接受了我们的出价那么,这个支票(初期订金)就会被送去托管公司开户。  如果最后没有成交,大部分的情况下 托管公司会把支票退还。   {了解更多}   如果是汇款,托管公司也会退款给您。   

契约的拟定 (签名我们可以使用电子签名所以就算您不在夏威夷也可以签)

Read More

 

微信 QR CODE  (请在讯息内附    - 购屋夏威夷)

 

Wechat ID  :   tianruo1978

Read More