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Super Rate Inc., 4482 barranca parkway, #123, City of Industry, CA (2026)

05/19/2021

The latest news! California Governor Announces Loan Delays for Big Five Banks

On Wednesday, California Governor Gavin Newsom said four banks -- Wells Fargo, Citibank, JPMorgan and US Bank -- had delayed payments on California loans by 90 days.

Bank of America has pushed back the California loan by a month. But it said it would consider monthly delays, which could be more than 90 days, depending on the duration of the crisis.

When it comes to who qualifies, Newsom says everyone can qualify, no matter how much or how little they earn. Homeowners will only have to submit "some kind of document" but have not provided details.

Until then, Newsom has asked banks to stop foreclosures and evictions until at least May 31 to help homeowners ease the financial burden of the outbreak.

Foreclosure is when a lender forcibly repossessions a home after a borrower is unable to make payments. For example, when the owner of a house loses his job and can't afford the monthly payment, the lender takes the house back and auctions it off to pay off the rest of the loan.

In addition, the following agencies have also proposed countermeasures:

The Federal Deposit Insurance Corp has asked banks to take steps "reasonably and prudently" to help consumers affected by the outbreak.

The Federal Housing Finance Agency, the Federal Housing Administration and Fannie Mae have given hardship to struggling borrowers Forbearance's forbearance option, which means it can temporarily defer monthly payments.

Some banks have set up new help websites with advice on how to deal with the crisis. If you are in financial trouble, please contact your lender immediately and never miss the payment deadline!

On March 18, the federal government announced a minimum 60-day foreclosure and eviction moratorium on all single-family home mortgages backed by Fannie Mae, Freddie Mac and the Federal Housing Administration. These include FHA-backed reverse loans, also known as Home Equity Coversion Loans, but they do not apply to private mortgages that are not backed by the government.

As discussed in the previous Flyhomes article, a home equity conversion loan is the conversion of home equity into cash. So this is a loan where if you have $200,000 of equity in your home right now, you can take some of that and take out a second loan.

Just like an ordinary loan, the bank will give you the money in a lump sum after approval, and you pay the principal and interest each month. This interest rate is generally fixed.

05/19/2021

最新消息!加州州长宣布五大银行贷款还款延后!

　　本周三，加州州长Gavin Newsom表示，目前已有四家银行将加州贷款还款日期延后90天，分别是Wells Fargo、Citibank、 JPMorgan、US Bank。

　　而Bank of America 将加州贷款还款日期延后1个月。但表示将考虑按月延迟付款，并根据危机的持续时间调整，延后时间可能会超过90天。

　　具体到谁符合资格，Newsom表示每个人都有资格，无论赚多赚少。房主只须提交“某种文件”，但尚未提供细节。

　　在这之前，Newsom还要求银行在至少5月31日前，停止房屋止赎及住宅驱逐行动，以此帮助房主减轻由疫情带来的经济负担。

　　止赎就是指贷款人无力还款，贷款机构强行收回其房子的举措。例如供房子，业主不幸失业了给不起月供，贷款机构就把房子收回拍卖，用以偿还剩余部分贷款。

　　此外，以下机构也提出了应对措施：

　　Federal Deposit Insurance Corp(联邦存款保险公司)已要求银行可“合理且审慎地”采取措施，来帮助受到疫情影响的消费者。

　　Federal Housing Finance Agency(联邦住房金融局)、Federal Housing Administration(联邦住房管理局)和Fannie Mae(房利美)可给有经济困难的借款人提供hardship forbearance的宽限选择，也就是说可以暂时推迟每月还贷。

　　部分银行已建立新的帮助网站，页面中会提供应对危机的措施等。银行表示：如果您有经济困难，请立即与您的贷方联系，千万不要错过付款截止日期!

　　联邦政府于3月18日宣布对所有由房利美、房地美和联邦住房管理局支持的独栋住房抵押贷款至少实行60天的止赎和暂停驱逐。包括联邦住房管理局支持的反向贷款，也被称为房屋净值转换贷款(Home Equity Coversion Loan)，但此条款不适用于没有政府支持的私人抵押贷款。

　　在Flyhomes之前的文章也介绍过，所谓房屋净值转换贷款就是将房屋净值转换为现金。这种贷款就是假设你现在有20万美元的房屋净值，你可以把里面的一部分拿出来用于第二次贷款。

　　跟普通贷款一样，银行批准之后会一次性地把钱全给你，你每月还本金和利息就可以了。这个利息普遍都是固定的。

05/19/2021

The end of California loan sharks? Parliament sets a limit on the interest rate on loans

California lawmakers voted on Friday to limit loan sharks, capping interest rates on loans worth between $2,500 and $9,999 for the first time in more than 30 years.

The California Legislature passed a ratecapping bill this session with the support of prominent lawmakers, religious groups, labor unions, human rights groups, local governments and some lenders, the Los Angeles Times reported, after similar bills stalled in previous years.

"It's been a hard journey to get here," said Rep. Monique Limon, a Democrat. "It's not just a victory for policy, it's a victory for legislation and history. The new law goes beyond policy because many lawmakers have failed in the past."

The bill bars borrowers from charging more than 36% plus the federal funds rate (currently about 2%) on loans worth between $2,500 and $9,999. The signing by Gov. Gavin Newsom would make California the 38th state to enact such a law.

Supporters of the bill say they have waited too long.

"If you're concerned about the high cost of living in California, you're concerned about predatory lending," said Anthony Rendon, the House speaker. "When people living on paychecks have to borrow for unexpected expenses, they find that borrowing costs grow faster than all other expenses because of unlimited interest rates."

California lawmakers in 1985 capped interest rates on loans up to $2,500, but did not set any limits on loans between $2,500 and $10,000.

"People who are basically being chased by their monthly expenses and who don't have access to good credit are going to turn to these kinds of borrowing products," said Marisabel Torres, policy director at the Center for Responsible Lending. "Unfortunately in California, there is no interest rate cap on these loans, making them victims of predatory lending."

According to the state of California, some lenders used to charge triple-digit rates of more than 200 percent, causing more than a third of borrowers to default.

The California Supreme Court ruled last year that charging high interest rates on $2,500 consumer loans could be considered unacceptable practice under state law.

During the Senate debate on the bill, Democratic Senator Holly Mitchell gave an example of people. A man who took out a $2,700 car loan ended up paying nearly $11,000. Mitchel said the man spoke only Spanish, but the borrower provided documents in English.

"That's the dilemma the bill is trying to solve," Mitchell said. "I will not allow my constituents or my family to be taken advantage of to deal with the challenges of everyday or real life."

Opponents of the bill point out that if the law goes into effect, lenders will drop out of the market or offer lower-value loans to borrowers with poor or shaky credit histories. The result could be a contraction in the loan market.

Lenders have spent heavily this year campaigning against the bill, including with television and radio ads.

05/19/2021

加州高利贷绝迹? 议会通过贷款利率设限

　　加州议员周五投票通过限制高利贷法案，逾30年来首度对金额2500-9999美元的贷款利率设定上限。

　　洛杉矶时报报导，继前几年类似法案闯关受阻之后，加州议会本会期在大咖议员、宗教团体、工会、人权组织、地方政府及部分放款机构的支持下，顺利通过限制贷款利率法案。

　　「经过一段艰辛的路程才来到这裡」，民主党众议员李蒙(Monique Limon)说。「这不只是政策面的胜利，而是立法与历史的一大胜利。新法比政策影响更深远，因为许多议员过去曾经闯关失败。」

　　法案禁止借款人针对2500-9999美元的贷款，收取36%加联邦资金利率(目前约2%)以上的利率。州长纽森(Gavin Newsom)签署后，将使加州成为全美制定类似法规的第38州。

　　法案支持者说他们已经等得太久了。

　　「如果说你忧心加州的高生活成本，你一定担忧掠夺性贷款的猖獗」，众院议长朗登(Anthony Rendon)说。「靠领死薪水过日子的民众，为了意外开支必须借款时，却发现借款支出成长速度，因为未设限制的利率，比所有其他支出来得快。」

　　加州议员在1985年针对2500美元以下贷款设定利率上限，但对2500-10000美元的贷款未设定任何限制。

　　「基本上被每个月开支追着跑的人，以及无法取得良好信用机会的人，他们会向这类借款产品求助」，责任放款中心政策主任托瑞斯(Marisabel Torres)表示。「不幸地在加州，这类贷款没有设定利率上限，使他们成为掠夺性贷款的被害人。」

　　根据加州资料，部分放款人过去收取逾200%的3位数利率，导致逾1/3借款人违约还不出钱。

　　加州最高法院去年做出判决，针对2500美元消费性贷款收取高利率，可视为州法无法接受的实务。

　　参院进行法案辩论时，民主党参议员米契尔(Holly Mitchell)举一个民众的例子。一名男性借了2700美元的车贷，结果还钱时支付将近1.1万美元。米契尔说该名男性只会说西班牙语，但借款人提供的是英文文件。

　　「这是法案尝试解决的困境」，米契尔说。「我不会让我的选民或家人，为了应付日常或真实生活的挑战而被佔便宜。」

　　法案反对者指出，如果法案生效，放款人会退出市场或对信用记录缺乏或不佳的借款人提供金额较低的贷款。结果可能使贷款市场萎缩。

　　放款机构今年重金反对这项法案，包括在电视和广播打广告游说。

05/12/2021

Buy a house to pay the down payment, but the loan can not do down how to do? Three ways, easy to solve!

Understand why the loan is not working and fix it

When the loan can not do, first of all to find a bank clerk to understand their loan approval can not come down the reason, and then the corresponding remedy. In general, with the right remedies, banks will lend quickly.

A, credit or flow is not qualified

If it is because of the buyer's own credit investigation or flow of water and other unqualified loans, it is suggested that you through other assets or deposit proof to improve credit. In addition, you can also apply to the bank again by increasing the proportion of the down payment and reducing the amount of the loan.

B. Incomplete information

If a loan is rejected because the information is incomplete, the borrower can collect it again and apply to the bank again. It needs to be noted that the information must be true, if false, once found, not only the loan will fail, but also may affect the future loan application.

Try changing banks

Different banks have different lending policies, in this bank to apply for a loan failure, perhaps in the lending policy more relaxed banks can be successfully borrowed money, so when the loan can not be done, buyers can try to change a bank loan.

03 Find a guarantee company

If you really want to buy the home but can't make up the rest of the mortgage on your own, you can try to find a reliable guarantee company. However, it should be noted that the charge of the guarantee company will be relatively high, which will produce many additional costs, including handling fee, security premium, interest fee and so on.

How can we avoid the situation where the loan doesn't work out? Keeping a good credit investigation record and credit investigation report is the embodiment of the borrower's personal credit. A good credit investigation indicates that the borrower has good loan and repayment habits, and it is more likely to pay the mortgage on time in the future. Therefore, when the borrower applies for a loan, the bank will inquire the borrower's credit report. Once the bad record is found, such as the personal credit report shows that there are three consecutive times or a total of six overdue records within two years, it will be included in the bad credit list, thus being rejected by the bank.Therefore, loan applicants must keep a good credit record.

Make a good running account before the loan

When applying for a loan to buy a house, the bank will ask the borrower to provide a bank account, because the bank account can directly reflect a person's income and consumption, so as to evaluate the borrower's repayment ability. So buyers before buying a house, to do a beautiful account for themselves.For example, by putting a certain amount of money into your bank account each month, you can increase your loan pass rate and try to avoid the situation that the loan fails.

Submit real information

The bank will strictly verify the information provided by the borrower, and if the borrower is found to have falsified the information, then the loan will certainly not be completed, and cannot be reapplied for a short time. Accordingly, true data must be submitted when applying for bank loan.

Don't vouch for others

If you make a guarantee for others, the other party does not pay in time and runs away, then as a guarantor will also be affected by the joint effect, and in the credit record will remain stains, resulting in an impact on the subsequent mortgage business. Therefore, be sure not to vouch for others easily.

05/12/2021

买房交了首付，贷款却办不下来怎么办?三种方法，轻松解决!

　　01 了解贷款办不下来的原因，并补救

　　当得知贷款办不下来时，首先要找银行业务员了解自己贷款批不下来的原因，然后相对应的补救。一般来说，补救措施得当，银行很快就会放贷。

　　a、征信或流水不合格

　　如果是因为购房者本人的征信或流水等不合格而被拒贷，建议你通过其他资产或存款证明来提高信用。另外，也可以通过增加首付款比例、减少贷款金额的方式，再向银行申请一次。

　　b、资料不完整

　　如果是因为资料不完整而被拒贷的，借款人可以重新搜集，然后再次向银行申请。需要注意的是，资料一定要真实，如果作假，一旦被发现，不止本次贷款会失败，还可能会影响日后申贷。

　　02 换家银行试试看

　　不同的银行有不同的放贷政策，在这家银行申请贷款失败，说不定在放贷政策较为宽松的银行就可以成功贷到款，所以贷款办不下来时，购房者可以尝试换一家银行贷款。

　　03 找担保公司

　　如果你确实还想要购买这套房子，但是自己实在没有办法补齐剩下的贷款，那么可以尝试找一些靠谱的担保公司。但是要注意的是，担保公司的收费会比较高，会产生许多额外的费用，包括手续费、担保费、利息费等等。

　　如何才能避免贷款办不下来的情况?保持良好的征信记录征信报告是借款人个人信用的体现，征信良好说明借款人贷款、还款习惯好，以后按时还房贷的可能性更高。所以借款人在申请贷款时，银行会查询借款人的征信报告，一旦发现不良记录，比如个人征信报告显示在两年内有连续3次或累计6次的逾期记录，就会被列入不良征信名单，从而遭到银行拒贷。所以，贷款申请者一定要保持良好的征信记录。

　　贷款前做好流水账

　　申请贷款买房时，银行会要求借款人提供银行流水账，因为银行流水账可以直观地反映出一个人的收入和消费，从而评估借款人的还款能力。所以购房者在买房前，要为自己做一个漂亮的流水账。比如：每月向银行卡存一定数量的钱，这样可以增加你的贷款通过率，尽量避免贷款办不下来的情况。

　　提交真实资料信息

　　银行会严格地核实借款人提供的资料，如果发现借款人伪造资料，那么贷款肯定是办不下来的，而且短时间内无法再次申请。因此，申请银行贷款时一定要提交真实的资料。

　　不要轻易为他人作担保

　　如果你为他人做担保，对方没有及时还款并且跑路，那么作为担保人也会受到连带影响，并且在征信记录上会存留污点，对后续房贷业务造成影响。因此，一定不要轻易为他人做担保。

04/10/2021

American single family villa, low total price, zero threshold loan for foreigners, don't miss it

In a recent article, "The Top5 Cities in the World Rental Return Competition," we shared our latest market research report, "Global Rental Return", which analyzed and summarized the rental returns of 40 cities around the world.

Of those five, Houston and Orlando are the cities that people care about the most. Homes in Houston are in the $350,000 range, and those in Orlando are in the $300,000 range.

This kind of housing price, compared with several high housing price cities in the United States, Chicago is more than 1.5 million dollars, Los Angeles is more than 2 million dollars, San Francisco is more than 1.5 million dollars, Houston and Orlando in the future housing price increase, there is a lot of imagination space.

Of course, I told you today that picking up leakage is not a simple comparison between different cities. After all, the industry and population in a large city are there, which is the basic logic of high housing prices. So if you invest in Houston and Orlando, how do they choose?

My answer is: I can choose Houston without hesitation.

Houston, the fourth largest city in the United States and the largest city in Texas, has a population of 2.3 million and a GDP of nearly $600 billion, about the same as Shanghai. Economic industries include petroleum, energy, aerospace, port trade and medical industry, all of which can affect the economy and people's livelihood.

It has recently talked of "independence" in Texas, an impossibility, but it is encouraged by the strength of the economy. Recently, several well-known American companies have moved to Texas, bringing economic growth and population growth.

Orlando, on the other hand, pales in comparison. A large proportion of its economy is taken up by tourism, with Disney as its brand, attracting more long-distance tourists. Medical City is the second largest medical city in the United States, but the largest medical city is in Houston.

So if you invest in Houston, how do you choose projects?

This is the focus of this article. Recommends everyone to dig the exclusive leak house.

Why say this is the investment project that picks up leakage. See the following figure, is the project surrounding the same location in the source of housing for sale, Zillow quotation:

The four-bedroom, two-bath house is just 140 square meters and costs a whopping $560,000. It was built in 1994.

And this one, the same four bedroom, three bath, 240 square meters, for 415,000, but it was built in 1965.

Nearby, there is also an apartment for sale, with 2 bedrooms and 2 bathrooms, about 100 square meters, and the total price is $420,000.

These are the few houses I can find that are relatively low in price in the same location. But keep an eye on this new house project we're recommending, which sells for less than 380,000 dollars.

The new house is only 300,000 RMB cheaper than the old one. After the first contact with this project, we did a market survey. Seeing such a price difference, we couldn't imagine.

So if you do the math, the price difference for the same position is $300,000, which is almost a 10% difference. After you buy, you can be more competitive in the rental market, and you can rent at a higher price, so your rental rate of return is not higher. In addition, the location of the project, the land that can be developed is extremely limited, because it is on an island.

And the living facilities here are very mature, there are hospitals, shopping malls, primary schools and universities. Huang Yongming, the founder of North American Nuggets, lives here. If you invest, you can live next door to him.

Here are some actual shots of the project's surroundings. For more information about the project, you can add WeChat at the end of the article for more details.

Summarize the characteristics of this investment project:

It is located in an active area of the rental market and is in great demand

Positioning high income group, stable tenants

Open a win-win model of appreciation potential and rental returns

The whole process is easy to purchase and manage, and remote investment is no longer difficult

Pick up houses, buy is to earn

04/10/2021

美国独栋别墅，低总价，外国人零门槛贷款，别错过了

　　前不久的一篇文章，《重磅出炉!全球城市租金回报率大比拼，Top5都在一个国家》给大家分享了我们最新的市场研究报告《全球租金回报》，分析汇总了全球40个城市的租金回报率。

　　这五个当中，大家最关心的城市是休斯敦和奥兰多。休斯敦的房价在35万美金左右，奥兰多的房价在30万美金上下，两者差别不大。

　　这样的房价，对比美国几个高房价城市，芝加哥基本150万美金以上，洛杉矶200万美金，旧金山150万以上，休斯敦和奥兰多的以后的房价涨幅，想象空间很大。

　　当然，我今天和你说捡漏，不是单纯的这样不同城市的对比，毕竟极大城市的产业，人口摆在那里，这个是高房价的基础逻辑。那如果投资休斯敦和奥兰多，两个城市如何选择呢?

　　我的答案是：可以毫不犹豫的选择休斯敦。

　　休斯敦，美国第四大城市，德州最大的城市，人口230万，而GDP总量近6000亿美金，和上海差不多。经济产业有石油能源、航天航空、港口贸易、医疗产业，都是能影响经济民生的大产业。

　　最近还说德州要闹“独立”，虽然这事不可能成，但能有这样的声音，其底气还是来自于经济强实力。而近期美国的几个知名的企业搬迁往德州，带来的是经济增长和人口的增长。

　　而奥兰多，相比之下，其实逊色很多。经济很大比例以旅游业占比，迪斯尼是其招牌吧，吸纳的比较多是长途旅游的人群。医疗城虽是美国第二大医疗城，但第一大医疗城是在休斯敦的。

　　那如果投资休斯敦，如何选择项目呢?

　　这个是本文的重点。推荐大家掘金独家的捡漏房源。

　　为何说这个是个捡漏的投资项目。看下图，是项目周边同地段的在售房源，Zillow报价：

　　四居室两卫，仅140平米左右，售价高达56万美金，这个还是1994年建的房子。

　　还有这个，同样四居室，3卫，面积约240平米，售价到了41.5万，关键这个房子竟然是1965年建造的。

　　旁边也有在售公寓房源，2房2卫，约100平米，总价42万美金。

　　这几个是我能找到的，同位置价格相对毕竟低的房源了。但是你留意下我们推荐的这个新房项目，它的售价仅38万美金不到。

　　新房比旧房价格便宜仅30万人民币。这个项目在第一次接触后，我们做了市场调查，看到这样的价格差，我们实在是不敢想象的。

　　你算一下，同个位置价格差30万，差不多是10%的价格差。当你买入之后，在出租市场还能有更多的竞争力，可以租到更高的价格，那你的租金回报率是不是更高了。另外，项目所在的位置，可以开发的土地及其的有限，因为它是在一个海岛上的。

　　并且这里生活配套很成熟，有医院，商超，小学到大学都有。北美掘金创始人黄永明就是居住在这里的。如果你投资了，那还可以和他做邻居。

　　以下是项目周边的一些实拍图。更多项目的情况，可以添加文末微信了解详情。

　　总结这个投资项目具有的特点：

　　位于租赁市场活跃区，需求巨大

　　定位高收入人群，租客稳定

　　开启升值潜力与租金回报的双赢模式

　　全程省心购房和管理，远程投资不再难

　　捡漏房源，买到就是赚到

04/07/2021

What does the collapse of mortgage interest rate mean for real estate in San Diego?

Lower lending rates may make it easier for some home buyers to get San Diego homes

Concerns about the coronavirus have hit U.S. stocks, while mortgage rates have plummeted in recent days, making it easier to buy homes in the expensive San Diego market.

The interest rate on a 30-year fixed rate mortgage is 3.19%. This is the lowest level since Freddie started recording house prices in 1972.

Lower house prices have reduced the monthly cost of median priced homes in San Diego County (from $585000 in January) by about $367 from nearly 4.56% a year ago.

Concerns about the coronavirus have indirectly lowered interest rates, with the Federal Reserve cutting key benchmark rates this week. Both are likely to continue to lower interest rates. But what this means for San Diego's already hot real estate market is unclear.

'lower interest rates make housing cheaper every month, but that doesn't always mean it's the best time to buy,' says Alan gin, an economist at the University of San Diego. The slowdown is likely to lead to lower prices in the coming months, he said.

"If the economy slows, and I think it will, it could weaken the real estate market," he said He pointed out that he did not think there would be a full recession.

Choosing the best time to buy is not easy. For example, even if mortgage rates are lower than a year ago, San Diego County's median has increased by 7.9% in a year.

Even if mortgage rates fall, the actual monthly cost of San Diego homes may not change, says gin.

But some buyers may see it as an opportunity. Samantha O'Brien, a real estate agent at porch light, a university highland, says many potential buyers are increasingly willing to start buying.

"A lot of clients who have consulted me for a while are really positive now," she said "These rates are absolutely crazy."

O'Brien said she was working with many potential buyers who were waiting for prices to fall, but that didn't happen. Now, many people use low mortgage rates as a reason to buy.

Concerns about coronavirus have become the main reason for the decline in US Treasury yields. Mortgage interest rates follow the yield of mortgage-backed securities. These bonds usually track the yield of us 10-year Treasury bonds.

If investors put more money into the stock market instead of bonds, it could mean that interest rates will rise again.

Another factor in the real estate market may be that some people are afraid to buy things because of the coronavirus. But mark Goldman, a real estate analyst at C2 Financial Corp., said even the virus would not change the fundamentals of the market.

"We have a serious housing shortage," he said "At the end of the day, the trend in San Diego is that more and more people have more money to pursue less housing. That will push up the price. "

The association of great Santiago Realtors said 4186 homes were on sale in January, down from 5884 in the same period last year.

Matthew Shafer, a senior mortgage adviser at the San Diego branch of U.S. financial company, said most of his business (about 90%) has been refinancing loans in the past two months. The lack of home sales means there are few loans to buy, he said.

He said he provided $4.7 million in loans in January, up from $1.8 million in the same period last year, and $3.8 million in loans in February, up from $2.1 million in the same period last year.

Lower interest rates have led to a 26% weekly increase in refinancing applications. It is 224% higher than the previous year.

In fact, applications for purchases are down 3% a week, but up 10% a year.

04/07/2021

美国抵押贷款利率暴跌，对圣地亚哥房地产意味着什么?

　　较低的贷款利率可能会使某些购房者更轻松地获得圣地亚哥房屋

　　对冠状病毒的担忧打击了美国股市，而抵押贷款率近几天暴跌，这可能使得在昂贵的圣地亚哥市场上购买住房更为容易。

　　为期 30 年的固定利率抵押贷款的利率为 3.19%。这是自房地美自 1972 年开始记录房价以来的最低水平。

　　较低的房价使得圣地亚哥县中位数价格房屋的每月成本(1 月为 585,000 美元)，比一年前的近 4.56% 降低了约 367 美元。

　　对冠状病毒的担忧已经间接降低了利率，美联储本周下调了关键基准利率。两者都可能继续降低利率。但是，这对圣地亚哥已经炙手可热的房地产市场意味着什么，人们还不清楚。

　　圣地亚哥大学的经济学家艾伦·金(Alan Gin)说，较低的利率使房屋的每月价格便宜，但这并不总是意味着现在是购买的最佳时机。他说，经济放缓很可能导致未来几个月内降低价格。

　　他说：“如果经济放缓，而且我认为会放缓，那可能会削弱房地产市场。”他指出，他认为并不会全面陷入衰退。

　　选择最佳的购买时间绝非易事。例如，即使抵押贷款利率低于一年前，圣地亚哥县的中位数也在一年中增长了 7.9%。

　　金(Gin)说，即使抵押贷款利率下降，圣地亚哥房屋的实际每月成本可能也没有改变。

　　但是，一些买家可能会将其视为机会。大学高地 PorchLight 的房地产经纪人萨曼莎·奥布赖恩(Samantha O'Brien)表示，许多潜在买家越来越愿意开始购买了。

　　她说：“向我咨询了一段时间的很多客户现在真的很积极。”“这些利率绝对是疯狂的。”

　　奥布莱恩说，她正在与许多潜在的买家合作，他们在等待价格下跌，但这并没有发生。现在，许多人将低抵押贷款利率作为购买的理由。

　　对冠状病毒的担忧已成为美国国债收益率下降的主要原因。抵押贷款利率遵循抵押贷款支持证券的收益率。这些债券通常跟踪美国 10 年期国债的收益率。

　　如果投资者将更多的钱投入股市，而不是债券，那可能意味着利率将再次攀升。

　　房地产市场的另一个因素可能是一部分人因冠状病毒而害怕买东西。但是 C2 Financial Corp. 的房地产分析师 Mark Goldman 表示，即使该病毒也不会改变市场的基本面。

　　他说：“我们住房严重短缺。”“归根结底，圣地亚哥的趋势将是越来越多的人有更多的钱去追求更少的房屋。那将推高价格。”

　　大圣地亚哥房地产经纪人协会表示，1 月份有 4,186 套房屋待售，低于去年同期的 5,884 套。

　　美国金融公司圣地亚哥分行高级抵押贷款顾问马修·谢弗(Matthew Shaver)说，过去两个月他的大部分业务(约 90%)都在为贷款再融资。他说，缺少房屋出售意味着很少有购买贷款。

　　他说，他在 1 月份提供了 470 万美元贷款，高于去年同期的 180 万美元，2 月贷款额 380 万美元，高于去年同期的 210 万美元。

　　利率下降导致再融资申请每周增加 26%。比前一年增长了 224%。

　　实际上，购买申请每周下降 3%，但每年增长 10%。

03/18/2021

How to understand the second series loans correctly

Home equity loans (also known as "second mortgages") allow homeowners to borrow money by using the assets in their homes. Home equity loans surged in the late 1980s because they provided a way to circumvent the tax reform act of 1986, which eliminated the deduction of interest on most consumer purchases.

However, this advantage of tax relief has not been sustained. The tax cut and Employment Act of 2017 eliminated the home equity tax credit between 2018 and the end of 2025, unless you use the money for home renovation. Of course, there are other good reasons to make a second mortgage loan, such as reducing the existing loan interest rate, but tax reduction may no longer be one of them.

There are two types of home equity loans: loan with interest (also known as traditional loan) and line of credit (HELOC). There are two types of loan with interest, one is for the purpose of rate and term refi, the other is for the purpose of cash out. No matter what kind of loan, they have in common that if they sell their borrowed house, they must repay the loan in full.

Let's learn a little bit about the details of repaying the loan with interest. You can apply for a net worth loan regardless of whether your home is currently in arrears. At the same time, even if your current house has debts, you don't need to pay off all the loans before you can apply for a net loan. We will understand some characteristics of this kind of refinancing through the following aspects.

loan term

Basically, it is mainly divided into 15 or 30 years of repayment. Of course, many banks also provide 10 or 20 years of repayment, and only a few banks can provide 40 years of repayment.

Loan type

1. Fixed interest rate (such as 15 years fixed or 30 years fixed). The simple understanding is that the interest rate of the loan you make is fixed within the specified repayment period and will not change due to the change of interest rate in the external market.

2. adjustable interest rate (such as 3/1; 5/1; 7/1; 10/1). For example, we take 3/1 as an example, which means that your repayment life is 30 years. Your loan interest rate is only fixed interest rate in the first 3 years of your loan. From the fourth year to the 30th year, your loan interest rate will change once a year with the change of market interest rate until the end of the last year.

3.BALLOON MORTGAGE。 This kind of loan is rarely seen in commercial housing loan. The simple understanding is that the repayment can be made in accordance with the higher cycle repayment method within the specified time, but once the specified time has passed, all arrears need to be paid in full in one time.

Purpose of loan

It is basically divided into rate and term and cash out. Rate and term means that the purpose of your loan is to change the interest rate or repayment period of the current loan. For example, your current loan interest rate is 4.75%, and the current market interest rate is 3.25%. You hope to reduce your interest rate through the second re loan; or your current repayment period is 30 years, and you want to change it into a fixed 15 years, and repay the loan as soon as possible. Cash out means that no matter whether your current house has debts or not, you want to take out some funds through a second refinancing.

Who can consider net worth loans

1. Your current loan interest rate is relatively high. At present, because of the influence of COVID-19, loan interest rate has dropped to a new low. If your loan interest rate is relatively high, there is no more suitable time to make net value refinancing.

2. Your current loan interest rate is adjustable. As explained above, if your loan interest rate is only fixed in the first few years and the current market interest rate is high, you can consider refinancing. Because as time approaches, your interest rate will be adjusted. In a few years, when the economy improves, the interest rate will rise, and your loan interest rate will also rise. So now is a good time to consider converting your adjustable interest rate into a 15-year or 30-year fixed interest rate.

3. You want to withdraw funds for investment. Whether it is the current stock market or the sequelae of the epidemic, there will be many investment opportunities in the near future, especially in the real estate industry. Many people have begun to prepare funds and wait for the opportunity.

In addition, before you consider refinancing, please refer to our previous article "six points for attention in housing refinancing - refinancing Series 1" before making a decision. I hope all of you will benefit from the housing interest rate despite some impact from this epidemic.

Good margin is led by a group of professionals with more than a decade of experience and a portfolio of us lending programs. Especially good at lending in major cities and regions of the United States. By weighing its relationship with lenders and investors, the most attractive interest rates and related terms are provided to customers.

Loan items include: no income loan, overseas loan, fast money loan, commercial loan and construction loan. Housing types include: Kangdou, cooperative apartment, 1-4 families, multi family, mixed property, student apartment, church, hotel, land, hospital, gas station, office building, self operated place, retail mall, self-service storage warehouse, etc. Welcome to the website for related information www.superrate.com

03/18/2021

如何正确理解净值贷款——重新贷款系列二

　　房屋净值贷款(HOME EQUITY LOAN)(也称为“第二次抵押贷款”)，使房主可以通过利用房屋中的资产来借钱。房屋净值贷款在1980年代后期激增，因为它们提供了某种方式来规避1986年的《税收改革法案》，该法案消除了对大多数消费者购买的利息的扣除。

　　然而这种减免税的优势并没有一直持续下去。 2017年的《减税和就业法案》取消了2018年至2025年年底之间的房屋净值税减免，除非您将这笔钱用于房屋翻新。当然还有其他一些充分的理由来做二次房屋抵押贷款，例如降低现有的贷款利率，但是减税可能不再是其中之一。

　　房屋净值贷款有两种，连本带利还款贷款(也就是所谓的传统式贷款)和信贷额度(HELOC)。其中连本带利还款贷款又分为两种，分别是只以转换利率或者还款年限为目的(RATE AND TERM REFI)的贷款，又或者是要从房屋中取出更多资金(CASH OUT)为目的的贷款。无论是哪种贷款，它们的共同点是如果出售了所借房屋，则必须全额偿还这所欠的贷款。

　　我们这次先稍微来了解下连本带利还款贷款的一些细节。不管您所拥有的房屋目前是否有欠款，都可以来申请净值贷款。同时就算您现在的房屋有欠款，也不需要您还掉所有贷款之后才能申请净值贷款。我们通过以下几个方面来了解下这种重新贷款的某些特性。

　　贷款年限

　　基本上分为15年或者30年偿还为主，当然很多银行也提供10年或者20年偿还，只有少数银行能提供40年偿还的项目。

　　贷款类型

　　1.固定利率(比如15年固定或者30年固定)。简单理解就是您所做的贷款在规定还款的年限内利率是固定的，不会因为外界市场利率的变动而改变。

　　2.可调利率(比如3/1; 5/1; 7/1; 10/1)。比如我们拿3/1作为例子，意味着您的还款年限为30年，您的贷款利率只在您做下贷款的头3年为固定利率，从第4年开始一直到第30年，您的贷款利率会随着市场利率的变动，每年变动一次，直到最后一年还完为止。

　　3.BALLOON MORTGAGE。这种贷款的类型在住宅房屋中比较少见，一般只在商业贷款中出现。简单理解就是在规定的时间内可以按照更高周期的偿还方式来还款，但是一旦过了这个规定的时间之后，就需要一次性全额付清所有欠款。

　　贷款目的

　　基本就是分为 RATE AND TERM以及CASH OUT两种。 RATE AND TERM就是指您贷款的目的是希望转换目前贷款的利率或者还款年限，比如您目前的贷款利率为4.75%，目前市场利率为3.25%，您希望通过第二次重新贷款，降低您的利率;又或者您目前的还款年限是30年，您想转换成15年固定，尽快还完贷款。CASH OUT指的是不管您现在的房屋是否有欠款，您希望通过第二次重新贷款，再取出一些资金。

　　哪些人可以考虑做净值贷款

　　1.您当前的贷款利率比较高。目前因为新冠疫情的影响，贷款利率已经降到历史新低，如果您的贷款利率是比较高的，没有比现在做净值重新贷款更适合的时机了。

　　2.您当前的贷款利率是可调利率。正如上面所解释的，如果您的贷款利率只固定在头几年，同时利率也当前市场利率高，您就可以考虑做净值重新贷款。因为随着时间的临近，您的利率将会出现调整，过几年等经济好转，利率将会上升，而您的贷款利率也会跟着上升。所以现在是可以考虑把您的可调利率转换成15年或者30年固定利率，也是一个绝好的时机。

　　3.您希望取出资金进行投资。无论是现在的股市，又或者是以为疫情而产生的后遗症，在不久的将来都会出现很多投资机会，特别是房地产行业，很多人已经开始准备资金等待时机。

　　另外在您考虑做净值重新贷款之前，请参阅我们之前所发布的文章“房屋再融资六大注意事项——重新贷款系列一”，然后再做决定。希望各位都能从这次的疫情中虽然受到一些冲击，但是能在房屋利率方面受益。

　　好利贷由一群有着超过十几年经验并且拥有全美贷款项目组合的专业人士领导。尤其擅长在全美各大城市区域的贷款。通过权衡其与贷方和投资者的关系，提供对客户最有吸引力的利率和相关条款。

　　贷款项目包括：不查收入贷款，海外人士贷款，快钱贷款，商业贷款，建筑贷款。房屋类型包括：康斗，合作公寓，1-4家庭，多家庭，混合式物业，学生公寓，教堂，酒店，地皮，医院，加油站，办公楼，自营场所，零售商场，自助储物仓库等。欢迎登录网站查询相关信息www.superrate.com

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