交鑰匙囉！今天的客戶是之前成交的客戶介紹來的，看房之前還跟客戶爸媽聊了快三個小時，孩子第一次買房、第一次買房又是在異地，這種心情我能理解，所以要見客戶爸媽我都很樂意，直接對談不僅能知道雙方需求，也能即時回答問題，增加對彼此的信任。

來來回回看屋不下十趟，之前一直都在看Condo &
Townhouse，後來換了一個區就能買house，沒想到一換區的第一間就是一間開心農場與跟孩子的樂園。走入open house時，listing agent就暗示我之前就收到offer，但是為了一點點價小事前一組買家談不攏。

我們一進去就喜歡，我馬上告訴我客戶：「就是這間了。」我們馬上趁屋主有點心慌亂的時候趕快下offer。

還記得隔天我就要上飛機回台灣，上飛機之前我寫好先送出，在長榮班機上跟listing agent密集來回email聯繫，一邊跟客戶用Line傳訊息談成的，飛機上買到房，也是一個很特別的經驗。

而且價格很合理，這是我第一次遇到銀行說不用估價了！不用估價了！不用估價了，因為太特別了，所以說三次。 Loan agent直說：買得太好啦！

屋後的水果有好幾種檸檬、橘子、柳橙、新鮮無花果、藍莓、覆盆莓、葡萄、鳳梨釋迦等，前院側院則是繡球花跟好大一叢薰衣草，後院還規劃有小孩遊戲區，屋主之前也有孩子，鋪上假草的遊戲區還有柵欄，小孩便能安全遊玩。

因為太多水果了，我們特地要求賣家給我們一次walk through，賣家今晚說他把所有灑水器都設定好了，院子後面的燈也已經埋好，變壓器在車庫，自己裝上就可以啟動院子的燈，肥料跟油漆都留下來，他們仔細交代所有細節，道別走到門口之後，前屋主正在安慰太太，原來是前屋主太太竟然流淚了，她捨不得搬家啊。

我一時反應不過來，後來想想，我應該趕快跑去跟他說：「放心，我們會好好照顧房子的」，我當時只是分心在測試熱水有沒有問題🤣

對了，屋主特地把所有水果都留給我的客戶採，一堆正成熟的果實，一間非常可愛的房子，一份愛的傳遞。

加州地產經紀人協會最新一季的 購房指數 ( C.A.R.’s Traditional Housing Affordability Index (HAI) ) 出爐，根據加州地產經紀人協會最新數據統計，更多的加州人可以負擔起房子，主要原因是因為利率降低、市場轉淡加上民眾的收入增加所致。

2019年第一季的加州房產數據出爐，32%的家庭能買得起中位數約54.5萬元的房子，相對於2018年第四季的28%以及2018年的31%，有更多家庭能買得起房子。

Thirty-two percent of California households could afford to purchase the $545,820 median-priced home in the first quarter of 2019, up from 28 percent in fourth-quarter 2018 and up from 31 percent a year ago.

2019年第一季的加州房產數據出爐，32%的家庭能買得起中位數54.5萬元的房子，相對於2018年第四季的28%以及2018年的31%，有更多家庭能買得起房子。

A minimum annual income of $114,860 was needed to make monthly payments of $2,870, including principal, interest and taxes on a 30-year fixed-rate mortgage at a 4.62 percent interest rate.

最低年收入11.4萬元的家庭，必須每個月支付2千870元在房貸、利息與地稅，這2千870元是以30年房貸，貸款利率4.62%計算。

Forty-one percent of home buyers were able to purchase the $450,000 median-priced condo or townhome. An annual income of $94,690 was required to make a monthly payment of $2,370.

41%的買家可以買得起45萬元的連棟式房子(Townhouse)或公寓型(Condo)，但是要買得起45萬元的房子，每月在房子上的負擔大概是2千370元。

More Californians could afford to purchase a home in the first quarter of 2019 as lower mortgage interest rates and cooler seasonal home prices combined with higher income levels to improve California housing affordability, the CALIFORNIA ASSOCIATION OF REALTORS® (C.A.R.) said today.

根據加州地產經紀人協會最新數據統計，更多的加州人可以負擔起房子，主要原因是因為利率降低、市場轉淡加上民眾的收入增加所致。

The percentage of home buyers who could afford to purchase a median-priced, existing single-family home in California in first-quarter 2019 rose to 32 percent from 28 percent in the fourth quarter of 2018 and from 31 percent in the first quarter a year ago, according to C.A.R.’s Traditional Housing Affordability Index (HAI). The index climbed above 30 percent for the first time in a year. California’s housing affordability index hit a peak of 56 percent in the first quarter of 2012.

根據購房指數(HAI)買得起房子的人由去年第四季的28%增加到今年第一季的32%，上次最高值是2012年第一季的56%。

C.A.R.’s HAI measures the percentage of all households that can afford to purchase a median-priced, single-family home in California. C.A.R. also reports affordability indices for regions and select counties within the state. The index is considered the most fundamental measure of housing well-being for home buyers in the state.

加州地產經紀人協會的購房指數計算基礎，是以買得起中價位的獨棟房(single-family home)計算，每一個地區與縣市各有不同數據，購房指數是加州買房者能力計算的參考指標。

A minimum annual income of $114,860 was needed to qualify for the purchase of a $545,820 statewide median-priced, existing single-family home in the first quarter of 2019. The monthly payment, including taxes and insurance on a 30-year, fixed-rate loan, would be $2,870, assuming a 20 percent down payment and an effective composite interest rate of 4.62 percent. The effective composite interest rate was 4.95 percent in fourth-quarter 2018 and 4.44 percent in first-quarter 2018.

買了一間54.5萬的房子家庭年至少必須在11.4萬元，如果房貸以4.62%計算，每月支付於房貸、利息、與地稅費用2千870元，房貸相較於2018第四季的4.95%較低，但是2018第一季的為4.44%。

Housing affordability for condominiums and townhomes also improved in first-quarter 2019 compared to the previous quarter, with 41 percent of California households earning the minimum income to qualify for the purchase of a $450,000 median-priced condominium/townhome, up from 37 percent in the previous quarter. An annual income of $94,690 was required to make monthly payments of $2,370. Thirty-nine percent of households could afford to buy a condominium/townhome a year ago.

除了買得起獨棟房(single-family home) 的人變多，買得起45萬元的連棟式房子(Townhouse)或公寓型(Condo) 的人也從去年的37%增加到41%。

Compared with California, more than half of the nation’s households (57 percent) could afford to purchase a $254,800 median-priced home, which required a minimum annual income of $53,620 to make monthly payments of $1,340.

Key points from the first-quarter 2019 Housing Affordability report include:

Housing affordability improved from first-quarter 2018 in 28 tracked counties and declined in 16 counties. Affordability in four counties remained flat.

In the San Francisco Bay Area, affordability improved from a year ago in every county. San Francisco County was the least affordable, with just 17 percent of households able to purchase the $1,532,500 median-priced home. Forty-six percent of Solano County households could afford the $430,500 median-priced home, making it the most affordable Bay Area county.

如果在舊金山灣區，能持有房的人也全面增加了。

然而，住舊金山市能買得起房子的比例較低，大概只有17%的家庭買得起中位數153萬左右的中價位獨棟房。Solano County的家庭比較幸福，年收入$90,590能買得起中價位約43萬元房子占比達46%。

Affordability results in the Southern California region were mixed as only Orange and San Diego counties recorded an improvement from a year ago, while San Bernardino and Ventura counties experienced a decline. Affordability was unchanged in Los Angeles and Riverside counties.

In the Central Valley region, affordability held even from a year ago only in two counties — Fresno and Sacramento — and fell in three counties — Kern, San Benito and Stanislaus. Kings, Madera, Merced, Placer, San Joaquin and Tulare counties recorded improvements.

Housing affordability improved in all four counties in the Central Coast region, which includes Monterey, San Luis Obispo, Santa Barbara and Santa Cruz counties.

During the first quarter of 2019, the most affordable counties in California were Lassen (63 percent), Kings (57 percent) and Siskiyou (53 percent). The minimum annual income needed to qualify for a home in these counties was $47,340 or less.

Mono (10 percent), San Francisco (17 percent), Santa Cruz (17 percent) and San Mateo (18 percent) counties were the least affordable areas in the state. San Francisco and San Mateo counties required the highest minimum qualifying incomes in the state. An annual income of $322,480 was needed to purchase a home in San Francisco County, and an annual income of $323,010 was required in San Mateo County.

舊金山市區、聖馬刁、聖塔克魯斯這些距離灣區不遠的地方，還是名列最難買得起房子的前幾名縣市。目前 Santa Clara County (南灣) 中價位房 $1,220,000，舊金山$1,532,500 ，而San Mateo為 $1,535,000屬全加州最高中位數房價區。

原文來自加州地產經紀人協會 https://www.car.org

幾點說明：

第一、文章裡的利率還是比實際利率計算高很多
第二、全加州幅員太廣、房價差異很大、平均數據只是參考指標

買房不是不可能的事情，也非年收入30萬才能在矽谷買房，我們可以見面聊聊你的想法跟計劃，請利用以下方式與我聯繫、預約看房或賣房分析。

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我是全職加州地產經理 CA Real Estate Broker、National Board of Realtors、California Association of Realtors、以及 Silicon Valley Association of Realtors的會員。DRE#01973756