3 Questions to Ask If You Want to Buy Your Dream Home

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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.

如果你現在正在考慮是否應該購屋,你可能從許多人那得到了很多的建議。雖然你的朋友和家人都是為你著想,他們可能無法完全了解你的需求和當前房地產市場的狀況。

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

你可以問問自己以下3個問題,以幫助你決定現在是否是在今日市場中購屋的好時機。

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

This is truly 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,首先拋開財務因素,你為什麼想要買房子?對於大多數人來說,原因與錢毫無關係。

For example, a 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.”

舉例說明,Braun的一項調查顯示,超過75%的父母表示“孩子的教育是尋找新屋的重要原因”。

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

這項調查同時支持哈佛大學房屋研究聯合中心的一項研究,透露美國人買房子的四大原因與錢無關,這些原因為:

  • A good place to raise children and for them to get a good education
    一個養育孩子的好地區,讓他們得到良好的教育
  • A place where you and your family feel safe
    一個你和家人感到安全的地方
  • More space for you and your family
    給你和家人更多空間
  • Control of that space
    對房屋的掌控權

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.

擁有房屋對你意味著什麼?你和家人可從擁有房屋中獲得什麼非財務利益?這個問題的答案應該是你決定購屋的最重要原因。

2. Where are home values headed?
房價的走向?

According to the latest Existing Home Sales Report from the National Association of Realtors (NAR), the median price of homes sold in December (the latest data available) was $232,200, up 4.0% from last year. This increase also marks the 58th consecutive month with year-over-year gains.

根據全國房地產經紀人協會(NAR)最新的現有房屋銷售報告,12月份的房屋銷售平均價位為$232,200美元,比去年同期增長4.0%,這也是連續第58個月房價上漲。

If we look at the numbers year over year, CoreLogic forecasted a rise by 4.7% from December 2016 to December 2017. On a home that costs $250,000 today, that same home will cost you an additional $11,750 if you wait until next year.

如果我們看看過去幾年的數據,CoreLogic預測從2016年12月到2017年12月房價將上升4.7%。一棟$250,000美元的房屋,如果等到明年再買,將花費多出$11,750美元。

What does that mean to you?
這對你意味著什麼?

Simply put, with prices increasing each month, it might cost you more if you wait until next year to buy. Your down payment will also need to be higher in order to account for the higher price of the home you wish to buy.

簡單來說,隨著每個月的價格上漲,如果你等到明年再買進,可能會花費更多金錢,頭期款也需要更高。

3. Where are mortgage interest rates headed?
房貸利率的走向?

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.

買家必須關心的不僅僅是價,房屋的“長期成本”可能會因利率的小幅增加而有顯著影響。

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

如下圖所示,房貸銀行家協會(MBA),全國房地產經紀人協會和房利美都預計,房屋貸款利率在未來12個月將會增加。

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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.

只有你和家人知道現在是否為購屋的好時機,希望以上幾個問題能幫助您做出最佳的決定。

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