74% of Households in the US Now Have Significant Equity!

20160621-Significant-STM

CoreLogic’s latest Equity Report revealed that 92% of all mortgaged properties are now in a positive equity situation, while 74% now actually have significant equity (defined as more than 20%)! The report also revealed that 268,000 households regained equity in the first quarter of 2016 and are no longer under water.

CoreLogic公司最新房屋增值報告顯示,92%的房貸屋目前房屋已增值,74%的房屋目前極顯著增值(顯著增值定義為超過原房價20%升值)!該報告並指出,有268,000戶負值房屋已在2016年第一季中恢復增值。

Price Appreciation = Good News for Homeowners
房價上漲=屋主的好消息

Frank Nothaft, CoreLogic’s Chief Economist, explains:
CoreLogic首席經濟學家弗蘭克·諾薩夫特解釋:

“In just the last four years, equity for homeowners with a mortgage has nearly doubled to $6.9 trillion. The rapid increase in home equity reflects the improvement in home prices, dwindling distressed borrowers and increased principal repayment.  

These are all positive factors that will provide support to both household balance sheets and the overall economy.” 

“在過去的四年中,房貸屋的增值增加了一倍至$6.9兆美金,房產的持續增值反映了房屋價格的提升,越來越少付不出房貸的借款人,和多支付的房貸本金。

這些都是增長房地產資產和整體經濟進步的積極因素。 

Anand Nallathambi, President & CEO of CoreLogic, believes this is a great sign for the market in 2016 as well, as he had this to say:
CoreLogic總裁兼首席執行官阿南德.那拉塔姆比認為這是2016年房地產市場的好預兆:

“More than 1 million homeowners have escaped the negative equity trap over the past year. We expect this positive trend to continue over the balance of 2016 and into next year as home prices continue to rise.  

Nationally, the CoreLogic Home Price Index was up 5.5% year over year through the first quarter. If home values rise another 5% uniformly across the U.S., the number of underwater borrowers will fall by another one million during the next year.” 

“有超過100萬屋主在過去一年逃離了房屋負資產,我們預計這房價增值的趨勢會因房價持續上漲從2016年持續到明年。

CoreLogic全國住房價格指數今年比去年第一季上升5.5%,如果房屋價值再度上漲5%,那麼明年又會有100萬屋主逃離房屋負資產。 

Below is a map illustrating the percentage of households in each state with significant equity:
以下為每州的顯著增值百分比圖:

20160621-STM-ENG

Many homeowners with more than 20% equity in their home would be able to use that equity as a down payment on either a larger home or even a retirement home.

許多擁有20%以上增值率的屋主可以利用增值來支付下一個更大房屋或是退興屋的頭期款。

Bottom Line
結論

If you are one of the many Americans who are unsure of how much equity you have in your home, don’t let that be the reason you fail to move on to your dream home this year!

如果您不確定您的房屋增值率,歡迎與我們聯絡,不要讓這成為您今年無法搬到夢想家園的原因!

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