10個您需要知道的買房出支

如果您是首次購屋者,瞭解您必須支付出的以下十項買房額外費用,可以幫助您在付錢時比較有心理準備。
1.誠意金 (Earnest money)
為了證明您是有誠意的想要購買房屋,必須支付1%至2%的總購買價為誠意金。誠意金的大小是會根據市場因素而改變,如果您所在地區的房屋買賣市場很熱門,賣家可以要求比較多的誠意金,相對的如果市場冷卻,賣方可能只需要非常小額的誠意金。另外各州政府也有不同的誠意金金額規定管理。
2.託管賬戶 (Escrow account)
託管賬戶基本上是一種貸款公司確保您有足夠的資金來支付相關稅費和貸款保險。您需要支付的金額依照地區、貸款公司、貸款類型而異,可能包括了數個月至一年的費用。託管賬戶通常是在訂金低於20%以下所需,同時也是FHA首次購屋貸款強制必須要有的,但VA退伍軍官貸款並不需要。
3.貸款手續費 (Origination)
手續費通常金額頗高,這是必須支付給貸款經紀人或是貸款公司的手續費,包括承銷、始發和處理代理價錢。手續費通常只是貸款總金額的一小部分,通常為總金額的1%,請記得找貸款時還是得貨比三家。
4.房屋檢驗費用 (Inspection)
您要確保新家沒有任何損毀或是結構上的問題,例如漏水、害蟲、發霉等問題,就必須支付房屋檢驗費。通常房屋檢驗費大約介於$300至$500元左右,房屋檢驗可偵測出結構問題,淹水可能性,和其他重大問題。害蟲檢驗費用大約為$150左右,一般檢驗的重大害蟲為白蟻。
5. 律師費用 (Attorney)
少數地區在房屋成交時必須有律師在場,例如喬治亞州,大部份地區則不需要。如果您的所在地需要有律師協助成交,您就得支付律師費用。
6.信用檢查 (Credit check)
雖然網路上有免費的信用檢查,但一般貸款公司都不會接受這種免費報告,貸款公司所需信用檢查大約為30元。
7.額外保險 (Extra insurance)
如果您住在天災較多的地區,可能需要購買額外的保險,例如洪水、地震險等等。
8.估價費用 (Appraisal)
您的貸款公司一定要在知道房產公平價值後才會願意貸款給您,房地產估價費用大約為200至400元左右,以地區和房屋大小各有所異。
9.產權過戶費用 (Title Company)
您必須支付產權過戶費用給過戶公司,確保房產所有權是明確無誤的,通常貸款公司會推薦過戶公司給您,但您也可自己找尋合作公司。
10.土地勘測費用 (Survey)
土地勘測並不是必須的,但是貸款公司可能會要求您使用專業土地偵測,來確認您的地產大小界線,價格大約100元左右。
記住:您有議價能力,貨比三家,多做功課瞭解您的地區的平均費用,如果您對價錢不滿意,可議價,也可尋找別家公司服務。
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10 Home-Buying Costs You Need to Know About
*********************************************************
If you’re a first-time home buyer, you might get a little queasy when the last line of your good-faith estimate comes in at several thousand dollars. And after the color returns to your face, you might also be a little more than perplexed by some of those fees.
Knowing what you’re paying for—like these 10 common costs—can ease that check-writing pain.
1. Earnest money
To prove you’re “earnest” in your purchase commitment, expect to plunk down 1% to 2% of the total purchase price as an earnest money deposit. This amount can change depending on market factors. If demand in your area is high, a seller could expect a larger deposit. If the market is cold, a seller could be happy with less than 1%.
Other governing factors like state limitations and rules can cap how much earnest money a seller can ask for.
2. Escrow account
An escrow account is basically a way for your mortgage company to make sure you have enough money to cover related taxes and mortgage insurance. The amount you need to pay varies by location, lender, and loan type. It could cover costs for a few months to a year.
Escrow accounts are common for loans with less than a 20% down payment and mandatory for FHA loans, but it’s not required for VA loans.
3. Origination
The origination fee is a hefty one. It’s the price you pay the loan officer or broker for completing the loan, and it includes underwriting, originating, and processing costs.
The origination fee is a small percentage of the total loan. A typical origination fee is about 1%, but it can vary. Use your good-faith estimate to shop around.
4. Inspection
You want to be assured your new home is structurally sound and free of surprises such as leaks or pests living in the walls. Those assurances come with a price.
Home inspection: This is critical for home buyers. A good inspector will be able to notify you of structural problems, flooding issues, and other potentially serious problems. Expect to pay $300 to $500 for a home inspection, although cost varies by location.
Radon inspection: An EPA-recommended step, this inspection will determine whether your prospective home has elevated levels of the cancer-causing agent radon. A professional radon inspection can cost several hundred dollars.
Pest inspections: Roaches are one thing. Termites are a whole different story. Expect to pay up to $150 for a termite inspection.
5. Attorney
Some states, such as Georgia, require an attorney to be present at closing. In some other areas, this is optional. If you use a lawyer, expect to cover the costs, which vary by area and lawyer.
It’s typical for mortgage companies to have a lawyer on their end, although they should cover the bill.
6. Credit check
Just because you can get your credit report for free doesn’t mean your lender can (and it will actually pull all three). You have to reimburse the lender, usually around $30.
7. Extra insurance
If you live in a hazard-prone area, you might need to purchase extra insurance, like for flood.
8. Appraisal
Your lender won’t loan you money for a home without knowing what its fair market value is. An appraisal will cost $200 to $400, depending on location and property size.
9. Title company
You pay this to the title company to make sure the property’s title is free and clear. Your lender will recommend a title company, but you can also shop around for one.
10. Survey
It’s not required in all instances, but your lender may require a professional surveyor to determine exactly where your property lines are drawn. Prices vary widely, but expect to pay at least $100.
Remember: You have bargaining power. Shop around to get a feel for what rates and fees apply in your area. If you aren’t sure what a lender is charging, ask for an explanation—the charge might not be set in stone. If you’re unhappy with a charge, negotiate.
(Info Source: Realtor.com & wordpress.com)

Bay area 的通勤系統

Cal Train System

Cal train 是從 San Francisco到San Jose 的通勤系統,每個小時都有班次往來。

San Jose and Gilroy只有 weekday peak hours only.尖峰時段 才有車。

Caltrain 有 one-way單程, day-pass一日票, 8-ride每個月乘車八次 (valid 30 days from date of purchase), and monthly月票 (valid month of purchase) tickets.

可以買儲值卡,經過車站掃票即可,新的儲值卡每張$3. 如果網路上購買,並且註冊自動加值,就免費。

另一個最大的系統則是東灣的BART系統

BART STATION

其中又以95131

Silicon Valley BART extension,Berryessa (BART station) 最受注目

Berryessa is an elevated Bay Area Rapid Transit station under construction and scheduled to open in the fall of 2017 in San Jose, California as part of the Silicon Valley BART extension.

車站地址在 1315 Piedmont Rd, San Jose, CA 95132 預計2017年秋天完工

住灣區,想買房!怎麼找房產經紀人?

茫茫人海,誰能信賴?

買房步驟之初,一定要找一個信任的Agent、(又稱房仲、經紀、Realtor),如果剛到美國人生地不熟,可以從下列幾項要點觀察,選擇您信賴的房地產經紀人。

個人認為,專業房仲必須具備下列幾點

(一) 售屋前的財務分析、買房指引、針對買方的區域分析

(二) 懂房子、熟流程,知道如何看房子,合法揭示房子優缺點,知道建築結構、建材差異,能為你解釋、讀上disclosure (屋況清單)、契約、甚至是賣方出示的報告書,知道如何與賣方經紀人交涉,後續談妥任何協定等。

(三) 熟習區域、生活機能學區劃分,能為將來的生活助上一臂之力。

(四) 了解貸款流程、稅金、金流、closing cost (買房交易支出)等相關流程

(五) 知道如何為買、賣方做出市場分析、合理出價、定價,不是追高價錢,尤其是買方房經紀,雖然北加州都是追加價格,90%以上個案例都是價高者得房,但是仍須以屋況、學區、小環境合理鑑價、合理出價!

(六) 不會造成買、賣雙方壓力、恐慌與額外的負擔。

有人跟我說,「買賣房屋可以自己來,根本就不需要房仲!」我笑而不答。

在美國,買房、賣房之間,交予專業人士,擁有更多的資源平台共享,房仲須顧及專業能力甚至法律責任,就財務上、安全上、法律上、都能規避一定的風險,加上買方並不需要負擔額外仲介費用 (加州是由賣方Listing Owner 來負擔買賣雙方的房仲費用),計畫買屋前,先找一位專業房仲,絕對是買房必備條件。

買房之前應該建議找自己順眼的房仲聊一聊,看看他是否具備這些能力,我在台灣當房地產記者的時候,也採訪過百位以上房仲,因為房仲業門檻並不高,因此素質落差頗大,當然有很多我所尊敬的前輩,各有房地產上的專業領域與一番本領讓人激賞,但是我相信,除了專業上的選擇,終究會回到緣分、人與人相處的感覺來選擇你的房仲。

如果你(妳)覺得他專業,請相信他(她)、信賴他(她),雙方都覺得舒服、安心,才能一起協力為一個家圓夢。


任何售屋、買房、租屋、需求

歡迎利用以下方式與我聯繫

  • FB/電郵:chienmingwei@gmail.com
  • 微訊:maggiechien002
  • LINE:chienmingwei

Ming Wei Chien (Maggie)
Cell: 408-505-3003
Email: chienmingwei@gmail.com
BRE #01973756

2015 Licensed Realtor / 2019 Licensed Broker

Sunnyvale 生活資訊推薦/生鮮雜貨

搬來Sunnyvale已經一年多,分享一下我愛逛愛買的好去處。

Grocery/生鮮雜貨

蔬果超市Felipe’s Market:墨西哥人開的蔬果店,也有販售有機蔬果、起司、蜂蜜、義大利麵、餅乾、堅果等乾貨,我很推薦這裡的蔬果,因為新鮮便宜,常有特價物,周六是我覺得最好撿便宜的時候,常常有些盒裝生菜、有機蔬菜特價,只是排隊要排久一些,如果怕浪費時間在排隊就周間下午五點前來吧。http://www.yelp.com/biz/felipes-market-sunnyvale

華人超市Ranch99:想念台灣食物就來這裡挖一挖寶,我只在這裡買乾貨、特價時的豆腐、義美零食,肉類個人覺得腥味太重,都到日超或是Costco買。 http://www.yelp.com/biz/99-ranch-market-mountain-view-2

日本超市NIJIYA:推薦牛肉片(火鍋用) 跟海鮮,我們家常吃牛肉火鍋、壽喜燒,肉、雞蛋就來自這裡,雖然價格貴些,但是品質真的好,有時買買鰻魚、豆皮做壽司,也販售很多來自日本醬料、零食、食材等。一秒到日本的感覺。

每個月29號是NIJIYA的Meat Day, 生鮮肉類打八折,但是我買過,都是冷凍的,解凍後品質並不佳,所以我還是想吃再買最新鮮的就好。

懶得煮飯的時候,NIJIYA熟食區有Beef Don (牛肉蓋飯)、壽司、便當、拉麵、咖哩飯等選擇,牛肉蓋飯不錯,還附上味僧湯。http://www.yelp.com/biz/nijiya-market-mountain-view

韓國超市HANKOOK:泡菜、韓國烤肉醃料、醃肉、熟食、韓式豆腐鍋、年糕、泡麵、柚子醬等等。蔬果區很乾淨。http://www.yelp.com/biz/hankook-supermarket-sunnyvale

Trader Joe’s:我很少到這裡逛,但是偶爾我會買買冷凍食物、甜點(馬卡龍、起司蛋糕,都在冷凍區)等 ,對了,這裡的花、植物最便宜。http://www.yelp.com/biz/trader-joes-sunnyvale-2

Whole Foods: 有機食物大全(新聞有說,這家比哪裡都貴XD),我們家並非有機食物信仰者,加上Felipe蔬果已經足夠我採購,我來這裡偶爾是買隻鴨子回家煮、最近則是很常買甜點,我推薦NY Cheese Cake,藍莓塔派之類的,價格很實惠。

Sunnyvale最新房源

買房步驟 (一) Pre-approval letter

mortgage-preapproval

如果想在加州買房,尤其是首購族(First time buyer),除了現金買房,一定要先到自己常往來銀行辦一張Before buying a house, get pre-approval letter first.

Mortgage Pre-Approval (Letter) 這是下標房子一定要的半正式確認函

這是由銀行開出的證明,他從您的工作證明、信用分數、收入等條件,評估貸款條件,貸款評估信函(Pre-approval letter)具體描述可貸款金額、額度等評估。

如此一來,我們在看房子之前,才能衡量收入、自備款與可貸款金額去看這範圍的房子,可以避免錯估自己能力,造成出價(Make an offer)之後 因為貸款金額不足,造成對交易之間的拖延,或因此無法買房。

值得一提的是,常常也有客人,也許因為信用極佳,貸款條件好,可以購買超出預期所設下金額的房子。

我們先把Pre-approval letter做好,我們就可以開始去看房子了!

==========================================================

如果沒有熟悉的銀行,我們公司也可以幫忙評估,需要您提供下列資料

Need:
1. Last 2 years W2 on your husband
(過去兩年的收入證明)
2. 2 most recent pay stubs for your husband
(近兩個月工資單)
3. 1 most recent bank statements (please provide all the bank accounts that you will use for the down pay of the purchase)
(近一個月銀行對帳單,如果有多家將用來繳付頭期款,請提供所有銀行)
4. If you both holds green card, please send me copies for the front and back sides of the card. (綠卡正反面影本)
If you hold H1 Visa or other type of Visa, please send me the paperwork.(工作簽證或合法居留美國簽證影本、證明)
5.  Need your car loan or car lease statement.
(汽車貸款對帳單或是租車證明對帳單)
6.  Need driver licenses copies for both of you.
(雙方駕照、護照影印本)
7.  Please complete the attached loan application as much as you can.
(我們貸款單位回寄送表格給您填寫)
=========================================================

Before buying a house, get pre-approval letter first.

http://www.realtor.com/advice/finance/get-a-mortgage-preapproval/

Ming Wei Chien (Maggie)
Cell: 408-505-3003
Email: chienmingwei@gmail.com
BRE #01973756

認識 Maggie Chien

灣區專職經紀人

Maggie曾在台灣當過九年的財經記者,蘋果日報房地產中心(地產王&家居王)、自由時報財經中心房產線總資歷長達七年。我在台灣採訪過數千間建案,在矽谷從2015年開始取得Realtor執照、2019年取得Broker執照,這五年來看房歷年達千間以上,讀過破千個報告,買過近百間房,目前管理二十個單位。

在矽谷買房子,是一個充滿挑戰的過程。我能提供試算服務、貸款諮詢與轉介、為您挑選適合滿足您需求的房子、一同看屋、一起挑戰競標的過程。我們將逐條念過合約內容,下標之前我會誠實地揭示屋況、屋主詳細情形、報告,而後續的交屋、租屋、修繕、改建等諮詢都在服務範圍之內。

關於賣房,房價評估、市場分析、修繕建議、上市時間建議、Staging評估、風格挑選、行銷方式分析、海報、Post、媒體推廣、行銷媒體選擇、挑選offer輔助,後續交屋,都是我擔任賣房經紀人時的職責。

若您有其他關於矽谷置產問題,或是買賣房屋的需求。

請利用以下方式與我聯繫、預約看房或賣房分析

  • 電話/簡訊  408-505-3003 (如未接聽請留言)
  • 電郵: mingwei@kw.com
  • LINE: chienmingwei

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


I am a California realtor/broker associate in the Silicon Valley, currently working with Keller Williams Realty.

I have always had a passion for Real Estate.  As an Editor/Journalist in Taiwan, I had written hundreds of news articles covering Real Estate and Interior Design.  After moving to the SF Bay Area in 2014, I followed my passion and embarked on a successful career as a Real Estate agent/broker.

For my buying clients, I understand home ownership is a big part of the American Dream and I will help you to achieve this goal with logic and data:

–          Find/compare/verify the house of your need

–          Review all property inspection reports, seller disclosures, permit history, HOA docs, etc. with you

–          Explain all contractual documents to help you make the strongest offer with confidence

–          Share a buyer’s only checklist with you prior to making an offer

For my selling clients, I understand it can be a very stressful process determining when to sell, how to price and market the house.  I will greatly reduce your burden by:

–          Thorough analysis on market condition, timing and price

–          Prepare all documents and escrow account

–          Touch up/renovate the house with my team of contractors

–          Showcase the house with professional staging

–          Advertise and conduct open house

–          Review and select the strongest offer with confidence

Cell Phone  408-505-3003

FB/email  mingwei@kw.com

Wechat  maggiechien002

LINE  chienmingwei

Like my fans page to follow the latest real estate news:Maggie Chien