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b**r
发帖数: 352 | 2 "tan guan zi nv" will be cash deal |
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m***s
发帖数: 1777 | 4 俺们都没见过800K+的房子,不考虑那么贵的.不过直到有朋友买800K的房子,贷800K的,
她们公司给找的没首付的贷款.
130k |
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D**C
发帖数: 6754 | 6 两年之后怎么可能给得起250k
75k攒60k？？
130k |
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H****H
发帖数: 11039 | 8 贷款额的月供金额不能超过你每个月税后收入的45%，你算算自己能贷到多少款吧，然
后再考虑买多少价位的房子。 |
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i******s
发帖数: 8734 | 9 not after tax, it is before tax. |
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w********6
发帖数: 12977 | 10 It may not go through unless it is multiple party fraud, including ppl in
the bank.
I knew one such guy just did exactly that, short sales turn to be inside
trading, and his friend bought the house by $470 (original bought price is $
900k plus) within 24 hour of listing.
However, the bank disapproved, and now the house is foreclosed and back to
the market with $620 price tag |
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l**n
发帖数: 7272 | 11 In our area, all house above 900K are facing a certain pressure unless that
they are really really good.
Main issue, since the beginning of the year, the asking price of the house
had been pumped up around 100K. |
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d*********2
发帖数: 48111 | 12 NYC几个主要老中聚居区, 这房价就没有跌过.
像偷渡客聚集的地方, 还一直在飙, 人还900k+买房呢.
有cash的人就是牛鼻, 根本不用考虑贷款难度什么的.
我这种想掏底的都放弃寻找了, 老中基本也不会被foreclose. |
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c*****1
发帖数: 1826 | 13 1 has the basement(1 bedroom without walk out door) but actual living space
feel not that many.
2 is newer, compared to other new house, it is still cheap. It used to list
at 900k.
1.used to list at 600k. |
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l******c
发帖数: 2555 | 14 in 2000, I remembered rate is 6 - 8 %, now rate is 3 - 5 %;
salary indeed increased about 50% - 100%, now everybody can get 100k salary
, in 2000, NO
in best school district, housing price is flat, -5% -- + 5% compared with
the price in 2006
entry level sfh is 900k+,
多 |
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w*********m
发帖数: 4740 | 15 我们这一房火灾，烧死一人，彻底重建，只留了地基
900k->850K->800K->720K
终于卖掉了。这里同样面积的50年的房都要卖850K |
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t**********j
发帖数: 382 | 16 The rate is great. The closing cost may not be 1.6% of the house value. In
general, the lower the price is the higher percentage will be for purchase
value <=1M. If the house value is $200k or less, 1.6% is not enough. If the
house value is $900k, the cost should be much less than 1.6%. |
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p*****y
发帖数: 529 | 17 I know a guy commuting from Warren to city (lex ave) for about two years. He
usually drove to Newark train station. According to him, the traffic is
never a problem. His door to door time is about 1 hr 20 mins (he claimed)
and I forgot how long it took him to drive from warren to newark.
Tenafly is not a easy commute at all. It took about 1 hr and 20 mins. And
houses there are older (similiar to Millburn).
If you look for houses within 20 years old and budget below 700k, warren,
edison is probab... 阅读全帖 |
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p*****y
发帖数: 529 | 18 I know a guy commuting from Warren to city (lex ave) for about two years. He
usually drove to Newark train station. According to him, the traffic is
never a problem. His door to door time is about 1 hr 20 mins (he claimed)
and I forgot how long it took him to drive from warren to newark.
Tenafly is not a easy commute at all. It took about 1 hr and 20 mins. And
houses there are older (similiar to Millburn).
If you look for houses within 20 years old and budget below 700k, warren,
edison is probab... 阅读全帖 |
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j***k
发帖数: 2719 | 19 now days, you can buy a half new (>circa 2000, 3000 - 4000 sq ft) house in
baskingridge for high $700K - $900K. Most of those houses are on the hills...
if you are willing to buy older places closer to town, $600K could get you a
nice place as well... |
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s***s
发帖数: 1841 | 20 3000-4000sqft <900k on hills?
maybe only the models built in 80s
...
a |
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U***J
发帖数: 5998 | 21 不过真是挺有意思的， 超过1M的房子，就突然没什么人抢了。过1.3M的，就很多选择
了。但是老中加价也都差不多 mid 900K了， 差几万也1M了呀。我感觉老中买的最集中
的就是80万到95万这个区间的。所以这个价格区间的好学区的房子， 最没性价比。1.
1M到1.5M性价比就好多了。 |
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w******y
发帖数: 8040 | 22 Unfortunately it is not the case...
It is just the opposite
More and more 1M houses in CV were going down to 900K something in this
June
When you look at the per sqft price in CV, it dropped by 5%.
Combining these two numbers,
you figure out the composition of the houses sold in June. |
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k*****a
发帖数: 7389 | 24 thanks
is 25% down mostly required now?
what if I wanna buy a 2-family house and need to take 900K loan, is it easy
today? rate also 4.75%? |
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n***i
发帖数: 15 | 25 have 2 mortgages looking to refinance,
1, 2family in NY, refinance 400k, value around 900k
2. condo in NJ, refinance 267k, value around 380k
777 credit score, looking for fixed 30 yrs refinance
please contact me if you can help.
Thanks! |
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a*****d
发帖数: 4029 | 26 900K房子才租3K？ 我们这里300K房子租2K了
School
话。 |
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a*****d
发帖数: 4029 | 27 900K房子才租3K？ 我们这里300K房子租2K了
School
话。 |
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v*********l
发帖数: 181 | 28 appraisal contingency.
If the house price is 1M, you intend to borrow 800K with 20% down pay. But
if the house is appraised at only 900K, then you can only borrow 180K and
need 220K down pay. Unless you have lots of cash, this contingency should
not be waived, or at least should not be completed waived. By not completed
waived, I mean your condition is that the house should not be appraised at
less than 950K, if you can come up with that part of deficiencies.
Inspection contingency.
This is the ... 阅读全帖 |
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y**s
发帖数: 376 | 29 多谢解答！有一点没太搞清楚。
“if the house is appraised at only 900K, then you can only borrow 180K and
need 220K down pay.” 为什么我在这种情况下只能借180k?
completed |
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t*******m
发帖数: 1893 | 30 Are you sure it is about $900k, not $90K? |
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H***a
发帖数: 15 | 31 如果手上有900k-1mil 现金（可支配，部分在股市但是可以快速兑现），
年收入不稳定（100k－300k），而且不都在美国发生。但是暂时
不能贷款（原因复杂），大家觉得花多少钱买自住房比较合理？ |
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w******t
发帖数: 16937 | 32 800k
如果手上有900k-1mil 现金（可支配，部分在股市但是可以快速兑现），年收入不稳定
（100k－300k），而且不都在美国发生。但是暂时不能贷款（原因复杂），大家觉得花
多少钱........
★ Sent from iPhone App: iReader Mitbbs Lite 7.56 |
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h****g
发帖数: 772 | 33 啊？
我问的就是这个情况呀，900k的房子，打算down 200k，贷700k
lender会批吗？ |
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s*******d
发帖数: 17566 | 34 你有没有把钱抽出来？我遇到的一些SS的主，特别是棒子，基本全部把钱拿出来，而且
还有赚+几年白住，3年后又是一条好汉。一个典型的一个是05年1.5M买的房，第一个贷
1.35M，然后一路各种贷到07年，现在是欠1.7M，3家银行，房子现值900K-1M，SS中。 |
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b********2
发帖数: 5191 | 35 我到是给我的buyer问出最高价了, 八十万不到的房子, 学区也一般, 我方出价810K,
不加任何contingency, 结果被告知最高offer 900K.
这年头钱不叫钱啊 |
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Y**********9
发帖数: 189 | 36 基本是如此，但是各个城市差异很大，比如好学区Irvine，目前新开盘的2400SF的4B3B
独立屋一般在1M，更好的地段1.2m。3b2.5b独立屋2000尺在800k-900K。隔7-
10milemission Viejo就会便宜两成左右。 |
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y******c
发帖数: 8 | 37 税后$11k, 年底大概$50k bonus (pre-tax)
mortgage + tax + insurance + maintainance = $6000 (900k LP, 20% down)
grocer + dine out = $1100
car loan + insurance + gas = $800
Cell + Cable = $250
Life insurance = $250
Two kids school and daycare = $2000
Utilities = $400
Student loan = $120
就这些算下来已经$10.9k, 还没包括其它杂七杂八的东西。买房之后身边一分钱不胜，
每月估计得倒贴些钱。有点大的开销只能去借emergency loan
这样做是不是太冒险? |
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y******c
发帖数: 8 | 38 Actually not. Property tax runs around $25k for a $900k house in that town... |
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y******c
发帖数: 8 | 39 True, listing for $900K and I plan to put down 20% |
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y***j
发帖数: 11235 | 40 高官不是不敢叫警察么
莫非是，不是900，是900k |
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t*****e
发帖数: 2228 | 42 要价100万，我们给了85万，当天就给拒绝了，都不给counter offer,我们觉得也无所
谓，毕竟这个房子有一些我们不喜欢的东西，厨房在中央，只有一个downdraft，还有
一些不喜欢的地方但是也没法改变比如车库远垃圾桶远，觉得只有价格低点心理上好受
些，我们的agent让我们再给一个offer,我们也觉得算了，差距太大，结果seller
agent现在又说后悔没给counteroffer了，说我们给900k以上的数字可以继续谈，我们
的agent指示可以在925-950之间搞定，我觉得我们的底线是90万，本来想着是88万，但
是现在如果给90万是不是人家又要给counteroffer又谈不拢了啊？如果给88万是不是又
要被拒了，而且怕惹seller不高兴根本就不想考虑我们，塞。 |
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s**m
发帖数: 1564 | 43 counter back with an offer below 900k (or 880k). |
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g********s
发帖数: 69 | 44 Zillow price is so different from what you would expect sometimes. There's a
house that looks really not very nice, but estimated to be 1.17m, though
similar houses were only estimated at 800k. Also, another house which was
really nice was only around 750k though it was sold at around 900k just a
little while ago. Do you know what other websites are better to use for
estimating how much I should offer? Thank you! |
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m*f
发帖数: 8162 | 46 嗯，我家的房子过去两个月从1.4M跌到900K以下了 |
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R**********1
发帖数: 236 | 47 觉得这个价格有点高了。一般来说，$800K - $900K房子的appraisal的价格在$450-$
500，如果是投资房需要comparable rent schedule和operating income schedule的话
可能会到$600多。也许你的房子位置比较特殊或者comparable比较难找。 |
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h******6
发帖数: 76 | 48 【 以下文字转载自 SanFrancisco 讨论区 】
发信人: husty866 (husty866), 信区: SanFrancisco
标 题: 南湾的Rivermark社区凭啥这么贵
发信站: BBS 未名空间站 (Thu Oct 30 18:16:55 2014, 美东)
靠近Montague和101， 房子很新，是一个SFH和TH混搭的社区。SFH也分两种，三层的小
炮楼和传统的两层。没错这里生活方便，safeway就在小区内，房子很新，地理位置不
错，交通方便，附近硅片公司很多。但是这里也有不少硬伤，没学区，处在San Jose机
场航道上，每个几分钟一趟飞机飞过，噪音不少。但是这个社区的价格却让我觉得离谱
，远非米尔皮特斯，北圣荷塞。传统SFH（加巴掌大后院）要1.4-1.6M， 小炮楼1M，TH
也要900K左右。而且房子出来很快就被买走，非常不理解这片房子为啥这么贵。建商好
？规划定位高端？还是说房子新一些，就是值钱？还想请知道这里历史的朋友进来讲讲
。 |
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g***e
发帖数: 4074 | 49 我觉得，家庭的基本开支差不多有2000，一个孩子再多1000，那是最基本的了。也就是
说，一年5万的开支是肯定的。如果说要稍微有点灵活度，每月准备800左右的话就到了
6万了。然后，剩下的钱放到房子里面去的话，那也就是6-7万左右。30年贷款，80万基
本是你们现在的极限（20万年薪）。
如果说你们的工作非常稳定，而且工资肯定稳步上涨，那套现现在的公寓，然后上1.2-
1.5M的房子是可以的。否则，900k-1M压力会小很多。
daycare2000 |
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l******n
发帖数: 220 | 50 如题。人在宾州。
我俩还没有找buyers agent, 所有事情都是自己亲力亲为，看到喜欢的房子一直都直接
联系listing agent. 最近终于找到心仪的房子了，listing agent建议成为我们的
buyers agent，并给我们$10K返现。房子不到900K，21年新。纠结啊。。。听说first
time buyer用dual agent就是人为刀俎我为鱼肉啊。。。
求大牛们指点！谢谢！ |
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