h******h
发帖数: 655 | 1 加州有个super conforming 是41.7万到69万好像。rate没有真正的junbo高。 |
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i****a
发帖数: 36252 | 3 are you sure you want to buy such an expensive house?
130k |
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y****j
发帖数: 2971 | 4 人家家里就能直接拿130K出来，估计是条件比较好地。不是光靠自己工资过日子地。 |
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b********s
发帖数: 1676 | 5 这税有这么高么？是我计算能力出现很大误差么？
130k |
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h******h
发帖数: 655 | 6 401K 都max out了就只剩下110K了。75K很正常啊。 |
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v***y
发帖数: 7583 | 7 还有医疗保险，FSA，401k那些东东要扣啊
没准还有ESPP要扣呢。 |
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s**********e
发帖数: 207 | 9 幸好我4个月全换了ATT的DSL(因为TWC每年给我涨价10%,太恶心人了).
难道最近TWC限制下载了吗?(照理不应该)
不过话说回来,我之前用了两年tw的10Mb网络,感觉非常好,比现在用的ATT6Mdsl的快多了.
TW下载BT之类的,一般可以在900k-1Mb/s,种子多的话,还能到1.2Mbps.现在ATT的DSL就
差多了,因为实际上只有5Mbps(我家到不了标称的6M),BT下载就更慢了,一般只有500kB/s.(BT
一般会有上传流量,我限制在16kB以内,在DSL里面还是很影响下载速度).
最近看到TWC的广告,10M网络+200ch电视+无限国内电话=34刀/月.很让人动心,我都想换回去了.
PS,上面提到的DNS是域名解析服务器,跟BT下载关系不大. |
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y****i
发帖数: 17878 | 10 the impact on the low end of CV market will be minimal.
at the high end ($700k - $900k), the lower loan limits take effect in Oct.
By then the summer selling season is long gone. so no immediate impact as I
see it.
buyers in CV market are those who have. most of them can comfortably cough
up more than 25% down payment. Even though the long term impact remains to
be seen, I'd be very surprised if the CV market tumbles just because of this
change. |
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y****i
发帖数: 17878 | 11 not offering rebate greatly reduces your competitiveness, especially among
the $500-900K house buyers |
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y****i
发帖数: 17878 | 12 not offering rebate greatly reduces your competitiveness, especially among
the $500-900K house buyers |
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g*******e
发帖数: 1706 | 13 dreamer 里的一篇， 我彻底无语。 不知道dreamer里写贴的都是什么人，还有人找出
别人什么时候买房多少钱什么的， 无心无肺无情，冷血，倒是很有闲。
【 以下文字转载自 Dreamer 讨论区 】
发信人: Dreamer (不要问我从哪里来), 信区: Dreamer
标 题: Re: 我老公也得了癌症
发信站: BBS 未名空间站 (Tue Mar 12 04:18:00 2013, 美东)
lily好像没有lz那么需要帮助
lz lg 30出头大概事业才起头，两个娃，应该是上无片瓦，账上也没有多少存款，还没
有身份相比起来，lily lg在某知名大公司10年，directore，年薪300k，仅life
insurance就至少900k，有房有身份，有现金存款，更不用说401k，ss，股票。。。。 |
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n****m
发帖数: 87 | 14 Presidio Community1年前只要low 700K啊？好便宜，那里面积很大的，都要3500sqft
以上了吧？我们去看的时候都900k左右了。 |
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c********1
发帖数: 5269 | 15 I am sensitive to financial data.
After tax, how much a worker (of google or facebook) can get per year?
How much they can save per year?
I do not think they can pay cash for a cando just working for couple years.
I assume the price of a cando there is about $700 ~ $900K. |
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h******u
发帖数: 1 | 16 双职工 First time buyer
每月税前base salary $17.75k
银行现金存款$220k (其中$170k可用于down pay, 留$50k应急)
明年初孩子出生，day care每月大概$2k
没有车贷
两人Credit score都在750左右（两年前毕业时的数据）
大家帮忙看看我们实际能负担多少钱的房子，用一些online calculator算出大概能负
担$600k-$900k的房，还没有找broker认真做过pre-approval。 因为孩子将要出生，所
以开始考虑买房，我们一点都不想撑，当然薪水不高想撑也没办法撑。
还有我们要这么早考虑学区吗？孩子上学起码6年以后的事了。我们目前想买方便上班
commute的区，小学差高中好的学区能考虑吗？
$750k左右的2 bedroom老SFH (>50岁)值得考虑吗，如果价位跟3 bedroom新一点的TH (
20岁) 差不多的话？我们打算能买SFH就不买TH，不在乎房子旧，我们比较希罕地皮。
但似乎2br的SFH增值不如3br SFH潜力大。只不过觉得这几年2 br的房够用了，3br的
SFH要贵出 |
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h**e
发帖数: 446 | 17 本人从8月份开始看房, 主要集中在milpitas, fremont (mission san jose, warm
springs), san jose (north valley). 一点心得跟大家共享:
1> 8~9月份, 在warm springs 和milpitas, 下了4 个offer, 都没有成. 抢的人太多.
其中2 short sale (~ 5 offers each, final price 3% above list price), 1
foreclosure (>20 offers, final price 15% above list price), 1 normal sale (4
offers, final price 3% below list price).
2>从10月份开始, 看short sale, foreclosure的人突然之间好象没有了.normal sale
的房子根本就没有人看, 虽然list价格比8,9月份时合理多了.
3>msj 有个房子从900k经过两次降价到700k总算卖出去了.很多人可能都知道那个房子.
很佩服owner |
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h****i
发帖数: 1 | 19 Brand new 4/5 BR townhouse with Monta Vista HS. And only around $800k~$900k.
.. best deal around but hard to get on the list. Almost sold out. |
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Q***N
发帖数: 2972 | 22 来自主题: SanFrancisco版 - 律师的收入 我现在在一个TOP LAW FIRM 做IT. 2008年ASSOCIATE 平均$250K/年(待遇工资+
OVERTIME+奖金).PARTNER平均大概在850K-900K.
待遇虽然很好,但我一点也不羡慕,也不希望我的孩子去做这一行.除非他/她非常喜欢.
ASSOCIATE的工作不仅辛苦,而且压力大.经常晚上在家工作到3-4点(CITRIX SERVER上有
记录),早上8点有接到他/她们从办公室的电话.有时电话的口气都要哭了(经常是干了一
晚上的文件找不到了,没存好).想熬到PARNTER, 难着了.
在就业情况.2007和2008年.SF OFFICE每年大概招12个新ASSOCIATE, 12-15个SUMMER
INTERN. 2009年只有7个ASSOCIATE,9个INTERN. 2010年只有6个INTERN, ASSOCIATE的还
不知道.不管是ASSOCIATE,还是INTERN,都是那几所学校毕业的, Harvard, Georgetown
and Hastings. |
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g**********0
发帖数: 315 | 23 65w在FC至多也就能买个3B很一般的town house。像样一点的，>1500尺，没有HOA费的
4B SFH ，至少都得900K以上 |
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g****y
发帖数: 1172 | 24 mountain view crossing, 94040, San Antonino shopping center
los altos school district,
3 bedroom Single family house: 750k-900k
3 bedroom Town house: 600K + |
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p***e
发帖数: 1318 | 25 不用租房, 900k好区一小黑屋, 月付三,四千, priceline上搞个四星还能剩一两千, 正
好抵伙
食.
不要说什么好区房子升值十年挣五十万. 好区九十万的黑屋, 比当年叶挺说的要挖个狗
洞爬出去的牢房强不了多少. 苍蝇, 老鼠, 咖哩味, 白蚁, 霉, 铅, 氡, 石棉, 屋顶漏水, 门合
不上, 地基开裂, 马路噪声, 加油站, 废水站, 垃圾站, 臭气熏天, 夏天没空调, 冬天不开暖气,
院子里一泳池也养不起, 得想办法填上. 你跟人说, 我全家老小, 冒着被叮死, 咬死, 毒死, 熏
死, 淹死,砸死的危险, 在比渣滓洞单间还小的小黑屋里睡了十年, 赚了五十万? 这跟卖身卖血有
什么不同?读到phd, 最大的本事居然是学会了坐牢赚钱? 就别说啥好区教育孩子了, 直接给他买
个房算了, 一辈子解决了. 还上大学干吗? 反正出来也是买个房蹲坑, 劳改.
远东就更别提了. 上面的不说, 每天两小时关铁笼子里. 是人过的生活吗. |
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t****u
发帖数: 8614 | 26 看区，JFK那边的，400K的SFH满大街都是。MSJ像样点的，没有900K下不来。
FREMONT从低到高什么样价位的房子都有。 |
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t***s
发帖数: 4666 | 27 $300k down, only $900k loan. doable with $200k annual income. |
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g********n
发帖数: 2314 | 28 90万的贷款，如果一个jumbo comforming 729k + HELOC 171k
1.2 million 的房子恐怕只能贷出12万左右的 HELOC。 此方案行不通。
那就只有jumbo loan 900k 一条路了。200k 收入有点够呛。 |
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t***s
发帖数: 4666 | 29 为什么heloc只能贷10%？我看到的都是TLTV 75-80%。
$900k的jumbo按今天starone 5.25%的利率，每月不到$5000。再加p-tax insurance每
月撑死$1500。总共$6500。$200k年薪只有39%DTI。 |
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t***s
发帖数: 4666 | 30 and you don't need to pay $46k total income tax for $200k income
with a $900k mortgage. $35k tops. |
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f*****a
发帖数: 781 | 31 with Fed AMT and CA AMT, your 900K mortgage is useless against AMT taxes |
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t***s
发帖数: 4666 | 32 i have real data. why would you need mortgage insurance if you're
paying 25% down? today starone's jumbo rate (up to $1M) is 5.25%.
$900k loan monthly payment $4969.83. |
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i**p
发帖数: 940 | 33 also depends on how old are you and your ld.
< 30, go with 1 M.
lower 30s go with 800k- low 900k
around 35s, better be more conservative. low 800k seems a cap.
很快会有第一个孩子，估计两年后
会要第二个。想买个好房子，但不愿做房奴。这样的情况在弯区买多贵的房子不算死撑？
脑发热而以后后悔。 |
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f*****E
发帖数: 165 | 34 红宝石山: Ruby Hill with the golf course at the southeast corner of
pleasanton.
I bought the house at Pleasanton last year, really like the city better
than Cupertino. The best school in Cupertino is around the intersection of
280/85 but a new townhome easily costs more than 900k. With this price,
you can have much better choice at Pleasanton.
For those area around the Cupertino high, the majority houses were poorly
built in 1950...And the school is much worse than Pleasanton. I'm talking
about the ... 阅读全帖 |
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f*******5
发帖数: 1815 | 35 not a 托. I recently relocated to Bay area from S. Cal. last few months
looked at ~30 houses 900K to 1.1M in Cupertino, and 94087, 95129 area. all
are small, old (low ceiling and dark) cheaply constructed tract houses,
only poor people live in these kind of houses in S. Cal. the street is also
cramped, narrow and full of ugly utility wires above heads.
this small area in Milpitas looks like a planed community, all large mordern
styled, 3 car garage stucco tile-roofed houses, wide street, large
... 阅读全帖 |
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f*******5
发帖数: 1815 | 36 I am looking a 2200+ sf, Moldern style house( high ceiling, stucco), price
around 900K to 1.05Mil, maybe to 1.1 Mil if house is very good. OK school,
SAFE neighborhood.
currently only looking at this Milpitas neighborhood and Rivermark Santa
Clara, Evergreen is kind of out due to bad commute. any other area ?
many Thanks. |
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x*****u
发帖数: 4750 | 37 1）买房子是个问题，90万的房子还能afford，如果一个人上班也没太大问题。
what is ur estimated income to afford 900k deh house yah/ xiao ban deng |
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B********r
发帖数: 2787 | 38 湾区真是太TLLD贵了
远点的2000sf, 900k可以吧？ |
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z*****7
发帖数: 888 | 39 来自主题: SanFrancisco版 - 买房求建议 最近关注了十来个budget 700k-900k的SFH，过几天来湾区看房。列几个有代表性的的
房子的信息包括
位置面积学区什么的，想在看之前听听各位的意见（因为房子分布在好几个不同的区）
，主要是想看看大
家对这些区的看法
房1
ardenwood 关注的第一个区
$718888 size/lot size: 1950sqft/3150sqft E/J/H:968/871/796
房2
foster city 关注的第二个区
$798000 size: 1550/3960 school:952/912/783
房3
cupertino-sunnyvale 关注的第三个区
$885888 size:1828/6180 school:980/920/738
房4
cupertino
$888000 size:1625/2973 school:986/986/943 （所谓好学区小黑屋？）
房5
fremont-msj 这个区只看上这一个
$798000 size:1736/4930 school:992/984/952
房6
san jose-evergreen
$848000 size... 阅读全帖 |
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h*****s
发帖数: 821 | 40 我觉得好像是$1.1M+的房子有点疲软，因为出得起这钱的人选择很多，可以南下
Cupertino, West San Jose, Saratoga，北上 Mountain View，再挤挤能够将将够得着
Los Altos 和 PA的entry level小破黑屋。
但是$1M左右的抢得可疯了。看看那个Kamsack的房子？
WestValley就几乎没有$900K以下的房子，除了大马路边上或者挨着85/280的。 |
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h**********8
发帖数: 76 | 41 Are you talking about Sterling Park near 101 in PA? I went there and took a look
last year. All these new houses are counted as condo ownership, even they
look like SFH or TH. I feel it is not worth for spending $900K for a condo.
The land value costs a lot in PA.
吵，环境还成，学校
，一点点路冲，cupertino学区
上班的地方远一些（5m vs 20m). |
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h*****s
发帖数: 821 | 42 一直想不明白，Cherry Chase那个区 (Cherry Chase, Sunnyvale Middle, Homestead
High)为什么抢房抢得那么厉害。尽管房价看起来没有Cupertino高，可是看看那里卖的
很多房子简直惨不忍睹：离85近，50年代初的经济小破房子，只有一个车库，lot很小
，只有5,6000 sq-ft。最近卖的~1300 sq-ft没有硬伤的房子（除了老点，破点），都
~$900K。这个学区到了middle school还得要上两年私立，这里就要多花$40K after
tax dollars了。Homestead High一直不争气，属于9分学校。只有Cherry Chase
Elementary一直评价不错，并且人种比例挺好。
大家都喜欢它commute方便？ |
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i**p
发帖数: 940 | 43 I think there are two main reasons:
1. It is easy to commute. Don't understate this, because life is
short, most people don't want to waste time on the road.
2. Its price hits most engineer families' sweet spot. 1.1 Million
doesn't sound too much higher than 800k or 900k, but it makes a huge
difference. To give you a concrete example I know, one couple makes
$350k-400k annual income, they are very hesitating to buy a $1.2
million home now, because they don't have enough down payment to
qualify j... 阅读全帖 |
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h*****s
发帖数: 821 | 44 谢谢分享，补充一下，94087 里面还分若干小区：
1) Cherry Chase：(Chery Chase Elem/Sunnyvale Middle/Homestead high)
Boundary: (I-85, El Camino, Mary,Fremont) + (Remington, Mary, Hollenbeck,
Fremont)
Very good elementary. Review非常好。不只是分高，老师，after school之类的都很
好，而且人种比例比较平均，老印数量远远低于Cupertino学校，白人占1/3。
Sunnyvale Middle由于包括了很多El Camino以北的地区，变成一流学校不可能。
Homestead High白人比较多，比Lynbrook/Monta Vista/Cupertino 好多了。
2) Cumberland: (Cumberland Elem/Sunnyvale Middle/Homestead High) Boundary:
(El Camino, Mary, Remington, Sunnyvale-Sar... 阅读全帖 |
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t**8
发帖数: 4527 | 45 entry level SFH ( average remodel)
MILPITAS HIGH: 650k
warm springs: 850k
irvington area: 750k
Leigh high : 900k
Everygreen high: 800k
American high 700k
Piedmont hills high 700k |
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t**8
发帖数: 4527 | 46 entry level SFH ( average remodel)
MILPITAS HIGH: 650k
warm springs: 850k
irvington area: 750k
Leigh high : 900k
Everygreen high: 800k
American high 700k
Piedmont hills high 700k |
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c**l
发帖数: 324 | 48 【 以下文字转载自 Collin_Home_N_Loan_Valley 俱乐部 】
发信人: cxhl (Collin), 信区: Collin_Home_N_Loan_Valley
标 题: 热点上市屋周报-8/26/11
发信站: BBS 未名空间站 (Fri Aug 26 14:53:44 2011, 美东)
Lynbrook < 950K
1523 DAPHNE DR $948,880 4 2|0 1,666 SqFt 6,500+ SqFt 54 81131422
6981 MELVIN DR $918,800 3 2|0 1,160 SqFt 8,000+ SqFt 55 81132216
6683 HANOVER DR $849,000 3 2|0 1,722 SqFt 6,500+ SqFt 54 81136788
1047 MILLER AV $786,600 4 2|1 1,363 SqFt 6,500+ SqFt 52 81136576
Cupertino < 900K
20237 BOLLINGER RD $899,000 3 2|0 1,688 SqFt... 阅读全帖 |
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s*********3
发帖数: 2890 | 49 It is 6% for many years. I don't know why and how to come out. Law prohibits
a standard commission system. Law said let's free competition.
As far Chinese agent's rebate, this becomes tradition now. That's another
reason why most Chinese community house price is a little higher. Wool comes
from sheep! When you buy a $900K house, probably you can get $10K~$15K back
from your agent. So your real cost is only $885K~$890K.
5% |
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b*******h
发帖数: 40 | 50 我从澳洲过来刚半年，拿E3工作，在湾区生活挺适应。E3最大的好处是配偶拿E3D可以
直接工作，完胜H4。另外一个好处是E3是只要有工作就无限续签的。工作给我H1B的申请也做好了，但是直接无视了。毕竟要为老婆着想一下，呵呵。
对AU和US的比较我个人感受如下
衣食住行中，衣食和行US远比AU来的便宜，相同收入生活品质可以比AU上升一个档次。
衣：不多说了。。。举个例子，我以前在AU买Timberland要到David Jones，$200以上
才能买到。在US 打折的时候70 80随便买。
食：AU各种食物都较贵（唯一比US便宜的是牛奶），但是质量高出一大截。AU鲜牛奶完
胜US超市里所有牛奶。肉类质量AU完胜，Coles和Woolie的牛肉都保证不含荷尔蒙等激
素，US的肉大家都知道有激素。鸡蛋AU很容易买到free range放养的鸡蛋，在美国要买
organic比澳洲贵一丁点。总的来说，食品之所以有质量区别，在于AU那么大的土地只
需要养活2000万人，还能出口；US要feed 3亿人还要提供工业农作物材料，mass
production自然要tradeoff质量。这个问题要说开来... 阅读全帖 |
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