4 Reasons to Buy This Summer!

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Summer is here! The temperature isn’t the only thing heating up right now, so too is the housing market in many areas of the country! Here are four great reasons to consider buying a home today instead of waiting.

夏天到了!現在溫度不是唯一升溫的東西,全美許多地區的房地產市場也正在持續升溫!以下為現在正是購屋好時機的四大原因:

1. Prices Will Continue to Rise
房屋價格將繼續上漲

CoreLogic’s latest Home Price Index reports that home prices have appreciated by 5.9% over the last 12 months. The same report predicts that prices will continue to increase at a rate of 5.3% over the next year. The Home Price Expectation Survey polls a distinguished panel of over 100 economists, investment strategists, and housing market analysts. Their most recent report projects home values to appreciate by more than 3.2% a year for the next 5 years.

The bottom in home prices has come and gone. Home values will continue to appreciate for years. Waiting no longer makes sense.

CoreLogic的最新房價指數報告指出,在過去12個月中房屋價格上漲了5.9%,同一份報告還預測,房價在未來一年內將再持續上漲5.3%。房屋價格展望調查有超過100位經濟學家,投資策略專家和住屋市場分析師投票,他們最近的報告預測在未來5年房屋價格將每年上漲最少3.2%。

低廉房價時期已經過了,房屋價值將持續升值多年,繼續等待不再有意義。

2. Mortgage Interest Rates Are Projected to Increase
房貸利率預計上漲

Freddie Mac’s Primary Mortgage Market Survey shows that interest rates for a 30-year mortgage have remained around 4%. Most experts predict that they will begin to rise over the next 12 months. The Mortgage Bankers Association, Freddie Mac & the National Association of Realtors are in unison, projecting that rates will be up almost a full percentage point by this time next year.

An increase in rates will impact YOUR monthly mortgage payment. A year from now, your housing expense will increase if a mortgage is necessary to buy your next home. 

房地美的主要房屋貸款市場調查顯示,30年期房屋貸款利率一直保持在4%左右。多數專家預測,在未來12個月利率將開始上升。房屋貸款銀行協會,房地美和美國全國房地產經紀人協會都異口同聲地預測,明年的這個時候利率將上漲近一個百分點。

利率的增加將影響您的每月房貸開銷,一年以後,如果您需要房屋貸款購屋,房屋開銷將增加。

3. Either Way You are Paying a Mortgage
無論如何您都在支付房貸

As a paper from the Joint Center for Housing Studies at Harvard University explains:

“Households must consume housing whether they own or rent. Not even accounting for more favorable tax treatment of owning, homeowners pay debt service to pay down their own principal while households that rent pay down the principal of a landlord plus a rate of return. That’s yet another reason owning often does—as Americans intuit—end up making more financial sense than renting.”

哈佛大學的聯合中心住屋研究論文解釋:

“無論是擁有或是租用,住戶都有房屋開銷,擁有房屋的屋主不但擁有更有利的節稅待遇,屋主支付房屋開銷來償還自己的本金貸款,而租客支付的租金是用來還房東的房貸外加回報率,這也是為什麼在美國擁有房屋遠比租屋來得更值得。

4. It’s Time to Move On with Your Life
該是過自己想要的生活的時候了

The ‘cost’ of a home is determined by two major components: the price of the home and the current mortgage rate. It appears that both are on the rise.

But what if they weren’t? Would you wait?

Look at the actual reason you are buying and decide whether it is worth waiting. Whether you want to have a great place for your children to grow up, you want your family to be safer or you just want to have control over renovations, maybe now is the time to buy.

房屋的“成本”是由兩個主要部分來決定:房屋價格和房屋貸款利率,而目前兩者都在上升。

但是如果兩者都沒有上升呢?您會持續等待下去嗎?

想想看您想要購屋的原因,再決定是否值得等待。無論是您想為孩子提供成長的好地方,您希望家人更安全,或者您想有裝修佈置的控制權,也許現在正是購屋的時候。

If the right thing for you and your family is to purchase a home this year, buying sooner rather than later could lead to substantial savings.

如果您和家人想要在今年購屋,事不疑遲,儘早購屋可省下大筆開銷!
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