W*****d
发帖数: 4196 | 1 【 以下文字转载自 SanFrancisco 讨论区 】
发信人: blueangel2 (California), 信区: SanFrancisco
标 题: 现在back on market的房子真多啊
发信站: BBS 未名空间站 (Thu Aug 15 13:15:51 2013, 美东)
rt |
W*****d
发帖数: 4196 | 2 这儿一直关注的区上个星期就至少4个back on market |
x****m
发帖数: 1084 | 3 是的， 很多房子back to market， 而且感觉房子卖的慢了，
不知道是不是个人感觉 |
r*******t
发帖数: 8550 | 4 贷款利率上升1%，贷款的买不起了
上升1%，如果是30年贷款，从3.5%升到4.5%，利息升幅达28.5% ：1%/（3.5%）。这可
是大升幅，对贷款人来说。当然，现金的就没得说了。 |
W*****d
发帖数: 4196 | 5 看到过一篇分析，讲利率问题。说如果涨了1%，就付不起的话，你买的太贵了。
我觉得很有道理
【在 r*******t 的大作中提到】
: 贷款利率上升1%，贷款的买不起了
: 上升1%，如果是30年贷款，从3.5%升到4.5%，利息升幅达28.5% ：1%/（3.5%）。这可
: 是大升幅，对贷款人来说。当然，现金的就没得说了。
|
D**4
发帖数: 76 | 6 现在新来的，40万以下，全用现金砸。
【在 r*******t 的大作中提到】
: 贷款利率上升1%，贷款的买不起了
: 上升1%，如果是30年贷款，从3.5%升到4.5%，利息升幅达28.5% ：1%/（3.5%）。这可
: 是大升幅，对贷款人来说。当然，现金的就没得说了。
|
W*****d
发帖数: 4196 | 7 对高端市场影响不大
【在 D**4 的大作中提到】
: 现在新来的，40万以下，全用现金砸。
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D**4
发帖数: 76 | 8 所以现在target是90万以上的SFH比较实在。
【在 W*****d 的大作中提到】
: 对高端市场影响不大
|
x****m
发帖数: 1084 | 9 40万 一下的SF 估计基本不能住人吧， 稍微好点的town基本都需要60万吧， |
D**4
发帖数: 76 | 10 当然是townhouse和condo了，而且是2000年后的。新来的喜欢这类。
【在 x****m 的大作中提到】
: 40万 一下的SF 估计基本不能住人吧， 稍微好点的town基本都需要60万吧，
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r*******t
发帖数: 8550 | 11 60万的房子，如果首付10%，贷款54万，加上地税管理费之类的，也要3000刀一个月，
年薪也要十万以上年薪才有可能供的起
有多少美国人能挣十万以上年薪呢？
算了一下，我还是等上十年再说
【在 x****m 的大作中提到】
: 40万 一下的SF 估计基本不能住人吧， 稍微好点的town基本都需要60万吧，
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W*****d
发帖数: 4196 | 12 所以中国人购买力强， 开着破烂的丰田看百万豪宅。
【在 r*******t 的大作中提到】
: 60万的房子，如果首付10%，贷款54万，加上地税管理费之类的，也要3000刀一个月，
: 年薪也要十万以上年薪才有可能供的起
: 有多少美国人能挣十万以上年薪呢？
: 算了一下，我还是等上十年再说
|
l******g
发帖数: 1623 | 13 宁愿住百万豪宅里面吃酱油拌饭，也不要住隔音都没有的小condo里面吃龙虾
【在 W*****d 的大作中提到】
: 所以中国人购买力强， 开着破烂的丰田看百万豪宅。
|
W*****d
发帖数: 4196 | 14 吃酱油拌饭的，在哪儿都吃酱油拌饭的。习惯了。
【在 l******g 的大作中提到】
: 宁愿住百万豪宅里面吃酱油拌饭，也不要住隔音都没有的小condo里面吃龙虾
|
x****m
发帖数: 1084 | 15 百万豪宅一年光税就要1.2-2万， 还是有点吓人的。 |
b**l
发帖数: 33123 | 16 兰德克鲁斯可不便宜
月，
【在 W*****d 的大作中提到】
: 所以中国人购买力强， 开着破烂的丰田看百万豪宅。
|
W*****d
发帖数: 4196 | 17 似乎没见过中国人开LC
【在 b**l 的大作中提到】
: 兰德克鲁斯可不便宜
:
: 月，
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r*******t
发帖数: 8550 | 18 LC算什么，都卖不出去
F-150 -- It was the best-selling vehicle in the United States for 24 years
【在 W*****d 的大作中提到】
: 似乎没见过中国人开LC
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M********d
发帖数: 85 | |
W*****d
发帖数: 4196 | 20 摘抄两点：
In July, 63% of buyers' offers on Redfin faced competition in 22 markets
coast to coast, its data show. That's down from 68% in June and the peak of
76% in March.
Some markets saw even bigger monthly drops. Boston fell to 65% of offers in
July from 74% in June. San Francisco eased to almost 80% of offers from 90%,
Redfin says.
Kelman even expects prices to flatten or decline in some markets this fall
as inventories increase.
【在 M********d 的大作中提到】
: 房价是在降温呀：
: http://www.usatoday.com/story/money/business/2013/08/18/housing
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W*****d
发帖数: 4196 | 21 yahoo上另一篇报道， appraisal 公司CEO：
Housing Market Won’t Recover Until Unemployment Falls Below 7%: Miller
Samuel CEO
There are many signs that the housing market is in full recovery mode: home
prices are up 12% from a year ago; Re/Max, one the nation’s largest real
estate brokerages, just filed for an IPO; and Zillow, which operates the
largest U.S. real estate Internet site, announced it was buying StreetEasy,
another real estate site. But Jonathan Miler, CEO of real estate appraisal
firm Miller Samuel, says the housing market has not recovered yet.
Related: Detroit Builders Aren't Betting on a Housing Recovery but Investors
Are
The rebound in housing "is based on nothing,” says Miller.“Incomes are
flat, credit is tight and unemployment and underemployment are unacceptably
high," Miller says in the attached clip. "Yet housing prices nationally are
rising in excess of 12%."
Related: Home Flippers Come Roaring Back
One of the big drivers of the jump in prices is the growing number of
purchases by investors rather than homeowners--many of those purchases in
cash. Thirty percent of existing home sales are paid for in cash according
to the National Association of Realtors. Goldman Sachs estimates more than
50% of new and existing home purchases are paid in cash. Investors have been
big buyers of foreclosed homes, but Miller expects those sales will slow.
Looking ahead, Miller says the current “breakneck pace” of home sales
overall will decline as interest rates rise, which is expected as the Fed
reduces its aggressive easing policies. But contrary to conventional wisdom,
Miller says rising rates are not necessarily bad for this housing market.
Related: Did Bernanke Just Kill the Housing Recovery?
“Higher rates will reduce froth in the market which makes the rise in
housing prices more sustainable,” says Miller, adding that it will knock
about 7% to 8% of potential buyers off the market.
So what’s really needed for a sustainable recovery in housing?
“A much more historically normal unemployment rate—something in the 6%
range," he says. |
l******g
发帖数: 1623 | 22 recover怎么个以上？查数据湾区，boston很多地方都超过历史最高点了，似乎要用过
去式，这文章还在用将来时
home
,
Investors
【在 W*****d 的大作中提到】
: yahoo上另一篇报道， appraisal 公司CEO：
: Housing Market Won’t Recover Until Unemployment Falls Below 7%: Miller
: Samuel CEO
: There are many signs that the housing market is in full recovery mode: home
: prices are up 12% from a year ago; Re/Max, one the nation’s largest real
: estate brokerages, just filed for an IPO; and Zillow, which operates the
: largest U.S. real estate Internet site, announced it was buying StreetEasy,
: another real estate site. But Jonathan Miler, CEO of real estate appraisal
: firm Miller Samuel, says the housing market has not recovered yet.
: Related: Detroit Builders Aren't Betting on a Housing Recovery but Investors
|
W*****d
发帖数: 4196 | 23 我想这文章讲的是普遍房价。个别地区确实已经超过历史最高点
【在 l******g 的大作中提到】
: recover怎么个以上？查数据湾区，boston很多地方都超过历史最高点了，似乎要用过
: 去式，这文章还在用将来时
:
: home
: ,
: Investors
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