抑郁中失眠的6个群体
“小童，相信我是真爱你的，我也想过和你一起奋斗。可是我计算了一下，以我们目前的经济实力，至少需要10年才能存够买房的首付，然后再30年还清房贷。到那时，我都已经是老太婆了。不是我太现实，我真的不甘心我的人生就是一辈子为房子而打拼……原谅我！我走了……”女友的离去让小童很伤心，但小童不恨女友的绝情，他只恨自己卑微的地[阅读全文]
美国地主
在美国买房当地主的经历
博文
(2007-02-09 13:55:12)
(2007-02-09 13:51:09)
利：
1)一般Builder造了房子(SpecHouse)以后，在卖掉以前都有一年左右的空置期，房市特好的地方除外，空置期间，10%左右的利息(BusinessLoan,higherthanmortgagerate)加在买主头上。哪怕你不买他的SpecHouse,10%仍然算你头上。
2)Builder造的样板房，一般有2-3幢，每年10%利息分摊在那年卖掉的房子上。
3)Builder付给经纪4-5%，加在买主头上。
这三样一算，已经快20%的Overhead省下来了[阅读全文]
(2007-02-09 13:47:48)
建议购房者在婚前进行细致的财产约定，并到公证处进行公证。
每个人都渴望与自己牵手进入婚姻殿堂的另一半厮守终生，但世事难料，当曾经的山盟海誓变得苍白无力，承载着“家庭”重任的房子也不得不面临被分割的命运。如何让房产分割不成为离婚时另一个伤心的理由，是每个购房者都应该提前考虑的问题。
结婚时掏钱买房，离婚时“钱房两空[阅读全文]
(2007-02-08 14:47:51)
IsittimetostopfillingyourLandlord’sWallet?Asarenter,youaresubjecttothewhimsofyourlandlord.Theyworkattheirownpace,andimprovetheirpropertyastheyseefit.Youhavenocontroloverthepropertythatyouresidein.Doyourfloorsneedtoberesurfacedoryourcarpetsreplaced?Sitaroundandwaitforyourlandlordtodoit.Doyourwallsneedtoberepainted?Askthelandlord.Itsometimesfeelslikeyou’relivingathomewithmomanddadagain,doesn’tit?...[阅读全文]
(2007-02-08 11:51:54)
IhavebeenmonitoringseveralcommunitiesinFairfaxCountyandseenmoreandmorepropertiesundercontract.
2007isgoingtobeagoodyear,atleastbetterthan2006.
FollowedarethepropertiessoldinJanuaryofeachyearinFairfaxCounty
2000....943
2001...1103
2002...1316
2003...1321
2004...1237
2005...1364
2006...980
2007...1004
Let'swaitandsee.Itreallydoesn'tmatterformeasIamnei...[阅读全文]
(2007-02-07 20:50:36)
Therewasatimewhenmosthomebuyersobtainedtheirmortgageloansthroughtheirbanksorcreditunions.Today,however,thereareanumberofadditionalhome-financingproviders.Whichoneisrightforyou?Let'stakealookattheoptions.Mortgagebanks
Amortgagebankisadirectlender;thatis,bankemployeesalonereviewyourapplicationandmakethedecisiontolendyoumoney.Typically,thebankwillsellyourloanonthesecondarymarket.Benefitsofamortga...[阅读全文]
Amortgagebankisadirectlender;thatis,bankemployeesalonereviewyourapplicationandmakethedecisiontolendyoumoney.Typically,thebankwillsellyourloanonthesecondarymarket.Benefitsofamortga...[阅读全文]
(2007-02-07 20:48:20)
Jumbomortgage
ThisisconsideredanonconformingloanbecauseitexceedstheloanlimitsetbyFannieMaeandFreddieMac,thetwopubliclycharteredcorporationsthatbuymortgageloansfromlenders,therebyensuringthatmortgagemoneyisavailableatalltimesinalllocationsaroundthecountry.Thesingle-familylimitchangesannuallyandthecurrentlimitisalwayspostedonBankrate.Ifyouneedtoborrowmorethanthat,youwillneedajumbomortgage,whichg...[阅读全文]
ThisisconsideredanonconformingloanbecauseitexceedstheloanlimitsetbyFannieMaeandFreddieMac,thetwopubliclycharteredcorporationsthatbuymortgageloansfromlenders,therebyensuringthatmortgagemoneyisavailableatalltimesinalllocationsaroundthecountry.Thesingle-familylimitchangesannuallyandthecurrentlimitisalwayspostedonBankrate.Ifyouneedtoborrowmorethanthat,youwillneedajumbomortgage,whichg...[阅读全文]
(2007-02-07 20:43:00)
Egregiouscreditproblems,suchasarecentforeclosure,willpreventyoufromgettingamortgage.Butlessercreditflawswon'tnecessarilystopyoufromgettingahomeloan.AnindustryofsubprimemortgagelendershassprunguptoservethevastconstituencyofAmericanswhohavecreditproblems.Subprimedefined
Generally,subprimemortgagesareforborrowerswithcreditscoresunder620.Creditscoresrangefromabout300toabout900,withmostconsumerslan...[阅读全文]
Generally,subprimemortgagesareforborrowerswithcreditscoresunder620.Creditscoresrangefromabout300toabout900,withmostconsumerslan...[阅读全文]
(2007-02-07 20:38:55)
Whichisthebettermortgageoptionforyou:fixedoradjustable?Thelowinitialcostofadjustable-ratemortgages,orARMs,canbeverytemptingtohomebuyers,yettheycarryadegreeofuncertainty.Fixed-ratemortgagesofferrateandpaymentsecurity,buttheycanbemoreexpensive.HerearesomeprosandconsofARMsandtheirfixed-ratebrethren.Adjustable-ratemortgagesAdvantagesDisadvantages•Featurelowerratesandpaymentsearlyonintheloanterm....[阅读全文]
(2007-02-07 20:27:18)
stable-ratemortgages,orARMs,differfromfixed-ratemortgagesinthattheinterestrateandmonthlypaymentmoveupanddownasmarketinterestratesfluctuate.Mosthaveaninitialfixed-rateperiodduringwhichtheborrower'sratedoesn'tchange,followedbyamuchlongerperiodduringwhichtheratechangesatpresetintervals.Adjustableratesstartlow
Rateschargedduringtheinitialperiodsaregenerallylowerthanthoseoncomparablefixed-ratemortg...[阅读全文]
