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

All graphs courtesy of the NATIONAL ASSOCIATION OF REALTORS®

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• 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

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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

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

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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

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.

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.  or This email address is being protected from spambots. You need JavaScript enabled to view it. should you have any need for real estate service.