2017 5月矽谷房市行情報告

MLS五月最新成交行情出爐,反映了今年四月的買氣。 今年股債雙漲的背景之下,資金充盈,矽谷的房市平均房價也再創新高,此外加價率依然持續上揚,南灣唯獨Berryessa出現不到1%的加價率跌幅,多數主要城市的銷售所需日期依然繼續降低。

目前的經濟局勢依然樂觀,美股漲幅屢創新高,既然漲勢已高,未來漲幅就會縮小,不過身在矽谷,總能第一線感受到科技業的局勢,最近幫客人招租,地點位於Sunnyvale、Santa Clara等矽谷中心位置的區域,投出租約申請的,多是剛拿到offer工作的應屆畢業生,矽谷人文薈萃,科技業的榮景依然未歇。

最近客人或甚至找別人買房的網友,還是一直問我:「房子聽說十年一場大跌幅,灣區房子是不是要跌了?」 我每一個月都會有人問我這個問題,我今年的看法維持一致,今年看不到跌勢,明年我還料不準,真的很抱歉,我不是神仙。

舉幾個例子吧! 這個月有幾間Sunnyvale 2b/2b 開價75萬元左右的town house,都送出了40分左右的disclosure,加價率超過15%。上周我幫客人下了一間Los Altos High的大房,經過擴建跟整修,開價300萬元,加價率超過30%。 Sunnyvale 北側94089 3B2.5B的Town house最高價已經賣破140萬元,Sunnyvale 94087學區房,每一呎都已經站穩$1200。

今年雨季長,銷售熱季來的晚,就算已經六月,在美股指數來到新高的背景下,矽谷房地產市場依然信心十足,市場未見降溫,如果你想買房,此刻依然要有奮力一搏的準備。

當然這個經濟市場不是沒有隱憂

第一、指數、房市已高,獲利也許有賣壓。

第二、政經動盪,川普的政策與股債雙漲的隱憂

第三、七月、八月是傳統淡季,銷售量可能會影響價格?

第四、聯準會升息

第五、大型天災像是大地震

上述情形若同時發生了兩到三個,也許房價漲幅會稍有止歇。

以下看看五月的加價率與銷售天數,加價率創新高、銷售所需日期多數城市繼續降低

Time frame is from Jun 2016 to May 2017 Postal City is 'Menlo Park' Property Type is 'Residential' Results calculated from approximately 380 listings
Time frame is from Jun 2016 to May 2017 Postal City is ‘Menlo Park’ Property Type is ‘Residential’ Results calculated from approximately 380 listings
SU 201706
Time frame is from Jun 2016 to May 2017 Postal City is ‘Sunnyvale’ Property Type is ‘Residential’ Results calculated from approximately 870 listings
CU
Time frame is from Jun 2016 to May 2017 Postal City is ‘Cupertino’ Property Type is ‘Residential’ Results calculated from approximately 340 listings
PA
Time frame is from Jun 2016 to May 2017 Postal City is ‘Palo Alto’ Property Type is ‘Residential’ Results calculated from approximately 450 listings
LA
Time frame is from Jun 2016 to May 2017 Postal City is ‘Los Altos’ Property Type is ‘Residential’ Results calculated from approximately 360 listings
Time frame is from Jun 2016 to May 2017 Postal City is 'Santa Clara' Property Type is 'Residential' Results calculated from approximately 890 listings
Time frame is from Jun 2016 to May 2017 Postal City is ‘Santa Clara’ Property Type is ‘Residential’ Results calculated from approximately 890 listings
CB
Time frame is from Jun 2016 to May 2017 Postal City is ‘Campbell’ Property Type is ‘Residential’ Results calculated from approximately 460 listings
B
Time frame is from Jun 2016 to May 2017 Area Name is ‘5 – Berryessa’ Property Type is ‘Residential’ Results calculated from approximately 790 listings
E
Time frame is from Jun 2016 to May 2017 Area Name is ‘3 – Evergreen’ Property Type is ‘Residential’ Results calculated from approximately 810 listings

再次說明,我是房地產經紀,是幫助你合理出價買到房子,協助你把房子賣在高點,絕對不是要炒高房地產市場,我天天看房子,適時地將市場現況記錄下來,如果您有買賣房屋需求、出租房管理,或任何關於矽谷房地產資訊

歡迎利用以下方式與我聯繫、預約看房

    • 電話 408-505-3003
    • FB/電郵:chienmingwei@gmail.com
    • 微訊:maggiechien002
    • LINE:chienmingwei
    • FB粉絲專頁:Maggie Chien-Realtor

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!

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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)
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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