3 Questions Every Buyer Should Ask Themselves

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If you are debating purchasing a home right now, you are probably getting a lot of advice. Though your friends and family will have your best interest at heart, they may not be fully aware of your needs and what is currently happening in the real estate market.

如果您正在考慮是否現在買房子,可能從朋友和家人那兒得到了很多建議,雖然他們都是好意,但他們可能不完全了解您的需求,以及目前房地產市場的走向。

Answering the following 3 questions will help you determine if now is actually a good time for you to buy in today’s market.

回答以下三個問題可幫助您決定現在是否為上場購屋的好時機。

1. Why am I buying a home in the first place?
為什麼我要買房子?

This truly is the most important question to answer. Forget the finances for a minute. Why did you even begin to consider purchasing a home? For most, the reason has nothing to do with money.

這是最重要的問題,先拋開財務狀況,為什麼您開始考慮購屋?對於大多數的人來說,購屋原因跟金錢毫無關係。

For example, a recent survey by Braun showed that over 75% of parents say “their child’s education is an important part of the search for a new home.”

舉例Braun最近新的一項調查顯示,有超過75%的家長表示“孩子的教育是尋找新房子的重要原因之一。”

This survey supports a study by the Joint Center for Housing Studies at Harvard University which revealed that the four major reasons why people buy a home have nothing to do with money. They are:

這份調查與哈佛大學聯合中心住房中心的研究報告吻合,發現人們購屋的四大理由與金錢無關。 這四大理由為:

  • A good place to raise children and for them to get a good education
    一個可提供孩子優良教育使他們成長的好地區
  • A place where you and your family feel safe
    一個讓您和家人感到安全的地區
  • More space for you and your family
    提供您害家人更多的居住空間
  • Control of that space
    對自我居住空間的控制權

What does owning a home mean to you? What non-financial benefits will you and your family gain from owning a home? The answer to that question should be the biggest reason you decide to purchase or not. 

擁有自己的房子對您代表什麼呢?擁有自己的房屋對您害家人帶來哪些與財務無關的優點呢?這些問題的答案應該是您決定是否購屋最重要的關鍵。

2. Where are home values headed?
房屋價值的走向?

According to the latest Home Price Index from CoreLogic, home values are projected to increase by 5.3% over the next 12 months. 

CoreLogic的最新房價指數顯示,房屋價格將在未來12個月增漲5.3%。

What does that mean to you?
這對您代表什麼呢?

Simply put, if you are planning on buying a home that costs $250,000 today, that same home will cost you an additional $13,250 if you wait till next year. Your down payment will need to be higher as well to account for the higher home price.

簡單舉例說明,如果今天您想買的房子價值$250,000,明年再買的話您將要多付額外的$13,250,您明年所需的頭期款也因為房價增高而需要更多。

3. Where are mortgage interest rates headed?
房屋貸款利率的走向?

A buyer must be concerned about more than just prices. The ‘long term cost’ of a home can be dramatically impacted by even a small increase in mortgage rates. 

買房子必須關注的不僅僅是價格,擁有一棟房屋的“長期成本”可以因為房貸利率小小的漲幅受到極具的影響。

The Mortgage Bankers Association (MBA), the National Association of Realtors, Fannie Mae and Freddie Mac have all projected that mortgage interest rates will increase over the next twelve months as you can see in the chart below:

房屋貸款銀行家協會(MBA),美國全國房地產經紀人協會,房利美和房地美都預估,房屋貸款利率在未來12個月會增加,如下方圖表所示:

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Bottom Line
結論

Only you and your family will know for certain if now is the right time to purchase a home. Answering these questions will help you make that decision.

只有您和您的家人可以知道現在是否為您們購買房屋的好時機,回答這些問題將有助您做出最佳的決定。

 

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