m********n
发帖数: 782 | 1 Homebuyers: If you're getting ready to buy a home, not only are there some
great steals in the market right now, but the government will help you
afford the home of your dreams with a new expanded version of the homebuyer
credit.
While you used to be able to receive up to $8,000 in credit only if you
bought your first house in 2009, the law has been expanded to include any
new homes purchased by April 30, 2010.
The new law also includes a credit for those people who don't qualify as
first time h |
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l****z
发帖数: 29846 | 2 【 以下文字转载自 USANews 讨论区 】
发信人: lczlcz (lcz), 信区: USANews
标 题: Fannie, Freddie又要开始制造房产泡沫了
发信站: BBS 未名空间站 (Mon Dec 8 17:15:20 2014, 美东)
Helping "Qualified" Buyers: Fannie, Freddie Detail 3%-Down Payment Mortgage
Program
Now that home prices have recovered and homes are not the bargain they were
four years ago, it is fitting the parasites once again want to make homes "
affordable" to the masses with low-down payment options.
Please consider Fannie Mae, Freddie Mac detail plans for 3% down-payment
... 阅读全帖 |
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p****8
发帖数: 4158 | 3 http://www.irs.gov/newsroom/article/0,,id=204671,00.html
First-Time Homebuyer Credit
Updated Nov. 6, 2009, to reflect new legislation — more to be added soon
New Legislation
New legislation, the Worker, Homeownership and Business Assistance Act of
2009, which was signed into law on Nov. 6, 2009, extends and expands the
first-time homebuyer credit allowed by previous Acts. The new law:
Extends deadlines for purchasing and closing on a home.
Authorizes the credit for long-time homeowners buying |
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d******t
发帖数: 1242 | 4 First-time homebuyer的定义一般来说是过去三年内没有拥有过物业（condo或SFH都算
）。
第二个问题应该是可行的。具体问一下lender。每一个first-time homebuyer的
program有不同的要求，收入上限，available funds，owner occupied （包括以后不
能出租）,还有resale restrictions. |
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D*********D
发帖数: 6 | 5 首次购屋讲座 － 助你更加了解有关购买房屋的概念和程序
Are you thinking about becoming a homeowner?
Come to our FREE First Time Homebuyer workshop to learn about the homebuying
process and what to expect with the purchase of your first home!
A Chinese speaking realtor will be hosting a panel of experts within the
local real estate industry, to discuss the home buying process, and educate
the public on what it takes to become a home owner. The speakers will be
discussing topics such as Escrow/Title, Mortgage, Home Owners ... 阅读全帖 |
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D*********D
发帖数: 6 | 6 首次购屋讲座 － 助你更加了解有关购买房屋的概念和程序
Are you thinking about becoming a homeowner?
Come to our FREE First Time Homebuyer workshop to learn about the homebuying
process and what to expect with the purchase of your first home!
A Chinese speaking realtor will be hosting a panel of experts within the
local real estate industry, to discuss the home buying process, and educate
the public on what it takes to become a home owner. The speakers will be
discussing topics such as Escrow/Title, Mortgage, Home Owners ... 阅读全帖 |
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w***t
发帖数: 8175 | 7 by Andy Xie
Tuesday, March 23, 2010
Commentary: China's property bubble won't shrink without credible reform
More from MarketWatch.com:
• Asian Markets End Mixed
• Hong Kong Is Odd Man Out as Tightening Sweeps Asia
• A China Boost for Gold
Beijing has unleashed another round of property market tightening
measures, and this time it's tightening mortgage loan terms
considerably: The mortgage interest discount has been reduced for first-
time homebuyers; the discount has been abol |
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k****g
发帖数: 1509 | 9 bullsht, it was because Clinton admin and Democ congress passed a
legislation that loose credit check to loan money to homebuyer |
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r*******t
发帖数: 8550 | 10 Well, you need to read more instead of Dao4 Ting1 Tu2 Shuo1. subprime
homebuyers are always paying a much high rate like 15%+ to compensate the
RISK. But lately 2005-2007 the bankers offer the subprime buyers MUCH lower
rate which did NOT compensate the RISK, because the Banker just want to
make the commision in originations + securitizations, NOT because they got
sued....
LOL!!!!
Read more, idiot! |
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s*r
发帖数: 2757 | 11 why i heard the opposite
Oct. 28 (Bloomberg) -- Sales of new U.S. homes unexpectedly fell in
September as the end of a tax credit for first-time homebuyers approached,
highlighting the importance of government aid to the emerging economic
recovery.
http://www.bloomberg.com/apps/news?pid=20601087&sid=aqNlTvgoZ6iA |
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y****t
发帖数: 10233 | 13 Tax cheats were given $1.4 billion in government-backed mortgage loans under
President Obama’s economic stimulus, and the government doled out at least
an additional $27 million in tax credits to delinquents who took the first-
time-homebuyer tax break, according to a government audit released Wednesday.
http://www.washingtontimes.com/news/2012/jun/27/gao-1-billion-i |
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l****z
发帖数: 29846 | 14 US new-home sales collapse in March
April 23, 2015 - 12:35 PM
By JOSH BOAK, Associated Press
WASHINGTON (AP) — Sales of new U.S. homes plummeted in March, as the spring
buying season opened with sharp declines in the Northeast and South.
The Commerce Department said Thursday that new-home sales fell 11.4 percent
last month to a seasonally adjusted annual rate of 481,000. This marks a
swift reversal from an annual sales pace of 543,000 in February, which had
been the strongest performance in seve... 阅读全帖 |
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J***y
发帖数: 321 | 15 There are two different reasons for bookkeeping, one is for tax purposes,
and one is for actually knowing where you stand and if you are meeting the
goals and budgets you have set...in order to make changes, or do future
planning. This does not mean you keep two sets of bookkeeping records, it
just means you extract different information from them.
Some expenses involve taking cash out of your pocket, or checking account,
or get them deducted by ebay or PayPal...or you charged them.
Some expens... 阅读全帖 |
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z**********3
发帖数: 11979 | 16 【 以下文字转载自 Chicago 讨论区 】
发信人: Nietschean (不如归去), 信区: Chicago
标 题: Re: more news about Jicheng Liu. He is famous now.
发信站: BBS 未名空间站 (Thu Apr 26 14:18:59 2012, 美东)
Prolific burglar cyberstalked those who crossed him, prosecutors say
By Jeremy Gorner and Jason Meisner, Chicago Tribune reporters
7:05 a.m. CDT, April 26, 2012
Jicheng "Kevin" Liu was a prolific burglar with a mean streak who
cyberstalked anyone who crossed him, Cook County prosecutors say.
In retaliation for his arrest in the theft ... 阅读全帖 |
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a*******9
发帖数: 2265 | 18 NEW YORK (CNNMoney.com) -- If you're thinking of buying a home, there could
be a big bonus for you in the economic stimulus bill that's now before
Congress.
The Senate's version of the plan sweetened the $7,500 homebuyer tax credit
provision proposed by the House, doubling it to $15,000 or 10% of the home's
purchase price (whichever is lower). What's more, the credit applies to all
buyers - not just those purchasing their first homes.
The Senate credit also has no income limits. The House versio |
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c****y
发帖数: 3592 | 19 Type of distribution
Even after you meet the five-year test, only certain types of distributions
are treated as qualified distributions. There are four types of qualified
distributions:
■Distributions made on or after the date you reach age 59½.
■Distributions made to your beneficiary after your death.
■If you become disabled, distributions attributable to your disability.
■"Qualified first-time homebuyer distributions."
A distribution of EARNINGS that fails to meet these tests will be ta... 阅读全帖 |
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s********t
发帖数: 1429 | 20 看错了 以为是distribution的10%
另外看到这个
First home. Even if you are under age 59½, you do not have to pay the
10% additional tax on up to $10,000 of distributions you receive to buy,
build, or rebuild a first home. To qualify for treatment as a first-time
homebuyer distribution, the distribution must meet all the following
requirements.
It must be used to pay qualified acquisition costs (defined next) before the
close of the 120th day after the day you received it.
是说买到房子的120天内还是说把钱取出来的120天花费才算? |
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W***n
发帖数: 11530 | 21 What $200,000 Will Buy In The Atlanta Real Estate Market
By Jean Folger | April 15, 2014 — 12:45 PM EDT
The median list price in Atlanta is now $184,900, up 12.1% from the previous
year, according to the National Housing Trend Report for February 2014,
published by Realtor.com. This puts Atlanta slightly under the national
median list price of $199,000. Where Atlanta shines, however, is in
inventory: It sits near the top of the report's 146 regions in terms of
total number of listings. Real est... 阅读全帖 |
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f**d
发帖数: 1952 | 22 3. Stretch to buy a house
Beware, homebuyers. Everyone around you is conspiring against your financial
best interests.
Your real estate agent wants you to buy the most expensive house you can: the
higher the price tag, the bigger her commission. Your lender is in cahoots, as
well. Not only will a larger loan rack up more fees and interest, but also the
lender knows you’ll move heaven and earth to pay your mortgage even when you
’re falling behind on other bills.
Your friends and family also may |
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x******g
发帖数: 3952 | 23 There is a book called "Homebuying for dummies".
I bought it before house hunting. |
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m**********m
发帖数: 92 | 25 Make the Most of Your Mortgage
With the right loan, it's still possible to save a bundle. Here are two savvy
strategies to beat rising rates.
By Janice Revell
Whether you're eyeing a vacation property, looking to refinance, or thinking
about how to help your kids get into a starter home, the array of mortgage
options can be dizzying. Mix in a nagging uncertainty about the economy and
where interest rates are headed—it's enough to make even the most
sophisticated homebuyer lightheaded. We've got |
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l*****a
发帖数: 375 | 27 比如seller的property tax是5000
等我买了以后，因为成交价低，所以只有1000
buyer agent和我说，在closing fee里面我需要把09年5000剩余的property tax交掉。
以后就是按照1000的收。
那09年的tax具体是从几月份到几月份啊？
我是在county的官方网站上找的
它有一个NEW HOMEBUYER’S TAX ESTIMATOR，只需要输入purchase price，再加上一些
Exemption，就可以算出Your Estimated Ad Valorem Tax Amount approximately
在seller的property tax report里面还有这样一句话＂If you are looking to
purchase this property and are not using portability to transfer any capped
savings, please use our Tax Estimator to determine a more likely estimate
of |
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l*****a
发帖数: 375 | 28 我是在county的官方网站上找的
它有一个NEW HOMEBUYER’S TAX ESTIMATOR，只需要输入purchase price，再加上一些
Exemption，就可以算出Your Estimated Ad Valorem Tax Amount approximately
在seller的property tax report里面还有这样一句话＂If you are looking to
purchase this property and are not using portability to transfer any capped
savings, please use our Tax Estimator to determine a more likely estimate
of your new amount.＂ |
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m*****y
发帖数: 6 | 31 http://www.reuters.com/article/marketsNews/idUSN2724704220091027?pageNumber=2&virtualBrandChannel=11604
Key takeaway:
1. It can be voted as early as today.
2. Most probably it will get passed.
3. 8000 credit will phase out thoughout next year.
Oct 27 (Reuters) - A popular $8,000 tax credit for first-time U.S.
homebuyers, which has helped lift the housing market out of its worst slump
since the Great Depression, is set to expire on Nov. 30.
Lawmakers in the U.S. Senate are debating whether to ext |
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a*******t
发帖数: 891 | 32 Likely to be extended:
http://www.reuters.com/article/marketsNews/idUSN2724704220091027
Reid, a Nevada Democrat, and Senate Finance Committee Chairman Max Baucus, a
Montana Democrat, want to offer an amendment that would extend the
homebuyer tax credit through the end of next year, while slowly phasing it
out. The $8,000 tax credit would fall to $6,000 in April, to $4,000 in July
and $2,000 next October. It would end entirely on Dec. 31, 2010.
The Reid-Baucus proposal is a compromise version of |
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a*******t
发帖数: 891 | 33 lastest news in the past hour. it's very close to be passed
http://www.investors.com/NewsAndAnalysis/Article.aspx?id=510459
Senate Banking Committee Chairman Chris Dodd, D-Conn., said top Dems
agreed to extend the 1st-time homebuyer tax credit, set to expire Nov. 30.
Bloomberg reported Senators are near a deal to extend the program to home
sales signed — not closed — by April 30. The credit would be cut 10% to
$7,290, but those who've owned their current home for at least 5 years
also would be e |
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R***U
发帖数: 1860 | 34 http://www.cnbc.com/id/33506105/
For first time homebuyers, the income level to qualify is $75,000/150,000 (
indiv/joint)
For step up buyers the income level to qualify is $125,000/250,000.
For step up buyers, they must have been residing in their primary residence
for 5 years.
The credit is 10% of the sales price, with a maximum of $ 7,290.
The credit runs from Dec. 1, 2009 to April 30, 2010.
For legitimate sales contracts as of April 30, 2010 you have 60 days to
close
There is a waiver for mil |
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e********t
发帖数: 9607 | 35 WASHINGTON (AP) -- Senators agreed Wednesday to extend a popular tax credit
for first-time homebuyers and to offer a reduced credit to some repeat
buyers. |
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K******S
发帖数: 10109 | 41 not for buyers in the market, good for other ppl though. |
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T*****m
发帖数: 3480 | 42 Good News for house sellers, bad news for home buyers since they will have
more competitors? |
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b*****l
发帖数: 1594 | 43 it's bad news for buyers. Especially for first time buyers. Only sellers get
awarded.
That means you need to pay much more than 8k to buy a house if the price is
not manipulated by this tax credit.
Literally to say, each $ of tax cost you around 5$ + tax credit paid by you
to the seller. |
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T*****m
发帖数: 3480 | 44 现在这些卖家一个个都像吃了摇头丸似的high的不行， 都是这个8K延期给害high的：
don't bargain with me, if you wanna bargain, wait until June next year!
TNND, what a shit! |
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w*****g
发帖数: 4298 | 45 look at stock market, the hyper-inflation is coming, house price will go up
sharply next year. |
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H****3
发帖数: 618 | 46 不管good or bad，延期的事情早在意料之中。 |
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r***r
发帖数: 417 | 47 真是把我气坏了。其实只有First Buyer延，或延到明年底，或是干脆不延，都能接受
。结果最坏的情况发生了。
我相信不少银行和Seller都撑着，今年底明年初把房子掖着或撑着不降价。等到明年3
月再High一波。到7月，正是买房的季节，也降不了。到10月，美国经济好转，房子也
降不了。就算经济没有好转，O8印这么多钞票的效果也该出来了，房价也跟着油价，食
品价当然还有Food Stamp钱一起涨上去了。
我本来还想石油国威胁和美元脱钩，国会会收敛一点，结果他们完全不怕，照用钱。算
了，要真我预测对了，我也不买房子了。买成黄金囤起来。 |
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d*****s
发帖数: 5610 | 48 Obama的政策让房价涨了5%，其实考虑到让down trend停止了，其实让buyer多付了10%
。自己算吧，是亏了还是赚了。 |
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M***8
发帖数: 668 | 49 赶紧借债，哪怕美元成草纸了，也能拿手头的草纸去还债。 |
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g******e
发帖数: 932 | 50 谁知道可以用2010年的收入保税吗？ 还是必须用09或08年的？ |
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