Friday, September 28, 2012

Let the Fall Buying, Selling Season Begin/秋の不動産セールシーズンのはじまり


Let the Fall Buying, Selling Season Begin

以外に知られていない秋の不動産マーケット。春と同じく活発になりますが、春に比べて購入者の動機が少し違うようです。

秋のバイヤーは傾向としてファーストタイムバイヤーと子供のいないカップルが多いと言う傾向があります。 子供のいる家族は新学期にあわせた春から夏にかけての購入がピークになっています。
ERAが30000人の不動産エージェントとブローカーにアンケートをとってみたところ、約20%はホリデーシーズンに新居ですごしたいという気持ちで家をさがしているバイヤーがいるという事、10%は税金の控除のために年度内に購入したいと言う結果がでています。。。。。。

秋の不動産売買はセラーにとってもバイヤーにとっても穴場ですね。

DAILY REAL ESTATE NEWS | FRIDAY, SEPTEMBER 28, 2012
The fall housing market isn’t known for being as robust as the spring market, but there are different motivations that tend to attract consumers during this season, experts say.

"We've observed in seasonal household buyer patterns that there is a higher ratio of first-time buyers and childless couples in the fall," says Walter Molony, economic issues media manager at the National Association of REALTORS®. "Families with children time their purchase based on school-year considerations, so they peak in the spring and summer.”

According to a recent ERA Real Estate survey, based on 30,000 of its broker and agents, about 20 percent of buyers are emotionally driven in the fall to purchase a house so that they can be in a new home by the holidays. Ten percent are motivated by tax benefits.

Sellers in the fall tend to be highly motivated too and face less competition with smaller inventories, says Shaun White, vice president for corporate communications for RE/MAX LLC in Denver, Colo.

"Some sellers will opt to lower their price in the fall because they're afraid of missing the boat and being stuck trying to sell during the holidays," says White. "Buyer traffic drops in the fall, too, so buyers may have less competition as well as better prices. You find motivated sellers and motivated buyers in the fall, especially as you get closer to the holidays.”

In some areas of the country, such as in Arizona and Florida, the prime selling season doesn’t even begin until the fall as snowbirds come in from the cooler climates looking for new homes, White says.




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Tuesday, September 25, 2012

Presidential Election Prompts Home Buyers to Wait-and-See 大統領選の結果を見てから買うバイヤー


Presidential Election Prompts Home Buyers to Wait-and-See

DAILY REAL ESTATE NEWS | TUESDAY, SEPTEMBER 25, 2012
A quarter of Americans say they want to put off purchasing a home until they know who the next president will be, according to a poll conducted on behalf of MortgageMarvel.com of more than 2,500 adults.

“It’s understandable that a considerable number of people say the upcoming election would give them pause for thought,” says Rick Allen, chief operating officer of Mortgage Marvel. “There has been speculation that tax policies could change depending upon who wins. Some have even indicated that the longstanding deduction for mortgage interest could be eliminated. It appears that mortgage interest rates will remain low for the foreseeable future, so there’s no pressure on people to act before rates rise. In such an environment, I can see that cautious people would take a wait-and-see attitude before making a home purchase.”

On a regional basis, people in the South had the highest percentage of those who said they’d delay buying a home because of the uncertainty surrounding the presidential election. Meanwhile, Americans in the West had the largest percentage of people who said the upcoming election has no effect on their home purchase decisions.


大統領選挙も目前になってきました。

選挙の結果を見てと様子を伺っているバイヤーは購入を時期をずらしています。と言うものの大統領選が家の購入の決定になる要素は少ないというのが西側の意見のようです。



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Saturday, September 15, 2012

Estate sale at Hoarder's house??? ゴミ屋敷のエステートセール?ゴミセール?

On the way to my office to Walnut Creek, I saw a sign of Estate Sale, then I decided to stop by.
I wonder what they have....
 Are you kidding?
This is not called Estate sale, it is garbage sale, not even close to Garage sale, and very expensive too. Florence standing cheap light was sold at $30.00 each.
The house has no space to walk around, all rooms are full of junks. This is Hoarder's house.
I never been to such a mess estate sale.
Surprisingly some people still buying the junks with high price.

I thought my house has so many junk but at least I have tender care of valuable items. I feel like as if I stopped by distress home right after foreclosure. And this estate sales was held by professional people, but I do not think so , and  I do not ask them to do my estate sale.

オフィスに行く途中で立ち寄ったエステートセール。興味本位で行ったのですが。。。これをエステートセールと言うのは冗談でしょう。ゴミ屋敷のゴミセールそのもの。足の踏み場もないくらいひどい状態で、本やら、汚れたものがあちこちに散らかっていました。

ショーもない安物のランプが30ドル、これ高さにも驚き。 こんなにひどいエステートセールは今まで見たこともありませんでした。それでも買っていく人がいるので二重の驚き。

我が家も色々物が多いので整理中ですが、少なくとも丁寧に使っていたり、もっと価値のあるものがあると改めて認識しました。

まさに差し押さえ直後の家のようでした。このエステートセールをしている人たちはプロのようですが、この人たちには絶対に頼まないでおこう。 

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Friday, September 14, 2012

New State Leader Battles Highest Foreclosure Rate/差し押さえ物件トップ10州

新しい差し押さえ物件数のトップ10州が発表されました。



New State Leader Battles Highest Foreclosure Rate

DAILY REAL ESTATE NEWS | FRIDAY, SEPTEMBER 14, 2012
Illinois has become the state with the highest foreclosure rate in the country — the first time it's held that non-sought-after spot since January 2005, according to RealtyTrac in its latest foreclosure market report.

Illinois saw a 29 percent jump in foreclosure activity in August compared to July. What’s more, foreclosure activity in the state is 42 percent higher than August of last year.

While foreclosure activity is rising in Illinois and a few other states, overall activity has sunk lower year-over-year. Foreclosure filings nationwide were down 15 percent in August compared to year ago levels. Still, filings — which include default notices, scheduled auctions, and bank repossessions — did tick up 1 percent in August from July.

“Bucking the national trend, deferred foreclosure activity boiled over in several states in August,” says Daren Blomquist, vice president of RealtyTrac. “In judicial states such as Florida, Illinois, New Jersey, and New York, this was a continuation of a trend we’ve been seeing for  several months now. The increases in Florida and Illinois pushed foreclosure rates in those states to the two highest in the country — supplanting the non-judicial states of Arizona, California, Georgia, and Nevada. Previous to August, the nation’s top two state foreclosure rates have been from those four non-judicial  states every month since December 2010.”

10 States With Highest Foreclosure Rates
According to RealtyTrac’s August report, the following 10 states hold the highest foreclosure rates in the country:

Illinois: 1 in every 298 housing units received a foreclosure filing in August
Florida: 1 in every 328 housing units
California: 1 in every 340 housing units (However, California has seen a 32 percent decrease in year-over-year foreclosure activity.)
Arizona: 1 in every 360  housing units
Nevada: 1 in 402 housing units
Georgia: 1 in 431 housing units
Ohio: 1 in 556 housing units
Michigan: 1 in 593 housing units
Delaware: 1 in every 610 housing units
Colorado: 1 in every 617 housing units







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Thursday, September 13, 2012

The Market Gets Competitive for Home Buyers

ホームバイヤーにとって、家を購入するのが難しくなってきている今日のマーケット。
いつまでも過去のバイヤーマーケット気分で低いオファーを入れていればオファーにたいして
見向きもされません。

フロリダら加のご夫婦は2ヶ月の間に7件オファーを入れてしかもそのほとんどが
売値以上価格で入札、それでもなかなか取れなかったとれず最後にやっと$365000の
サラソタの家を獲得できたと言う話。

マーケットに売り出されている家が昨年と比べて24%不足していると言うことも原因です。
グレンドーラのエージェントは持っているリスティングに45オファーがあったと言っています。

=========

バイヤーマーケットは過去の話ですね。
More home buyers are finding they’re losing their power position in the real estate market and that when they submit an offer for a home, they may not be alone in the bidding. In fact, buyers who submit low offers may not even get a courtesy of a callback nowadays. 
One Florida couple says they put in seven offers on homes over two months — most at or above asking price — before they were finally able to get a $365,000 Sarasota home. 
A drop in the inventory of for-sale homes around the country is prompting more competition among home buyers. Inventory in June is 24 percent below year-ago levels. 
"I've had listings get 45 offers," Sin-Yi Chao Lambertson, a real estate broker in Glendora, Calif., told Money Magazine. 

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Wednesday, September 12, 2012

Home Owners with Negative Equity Cause More Concern

デイリー不動産ニュースより

家のローンの滞納率が2010年1月のピーク時より30%ダウンしましたが、家の価値よりローンの額の方が多いホームーオーナーにとってはまだまだ懸念される事項があります。

融資金融プロセスサービスローンの7月の報告ではマイナス資産と新しい問題のあるローンのつながりが強いと言うことを表しています。

「マイナス資産の増加よる新たな問題のあるローンの増加の反映されています。」ネバダ州、フロリダ州の2つの州はマイナス資産率が最も高く、ローンを60日以上滞納して修復したうちの3%が半年後に滞納しています。

家の価格の下落が原因なのか、本人たちに問題があるのか
いずれにしても回復の妨げになることでしょう」


***********

一旦経済的なトラブルになると一時的に回復しても又繰り返す傾向はありますね。
回復したときに次の手を打っておかないと同じことの繰り返しになります。



Home Owners with Negative Equity Cause More Concern

DAILY REAL ESTATE NEWS | WEDNESDAY, SEPTEMBER 12, 2012
Mortgage delinquencies are down 30 percent from peaking in January 2010, yet the high number of underwater home owners still has many concerned.

The Lender Processing Services’ Mortgage Monitor report for July shows a strong link between negative equity and new problem loans.

“As negative equity increases, we see corresponding increases in the number of new problem loans,” says  Herb Blecher, vice president of LPS Applied Analytics. “In Nevada and Florida, two of the states with the highest percentage of underwater borrowers, more than 3 percent of borrowers who were up-to-date on their payments are 60 or more days delinquent six months later.

“This suggests that further home price declines – should they occur – could jeopardize recent improvements.”


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Friday, September 7, 2012

Obama Promises to Protect MID for the Middle Class オバマ大統領の公約

昨日の民主党のオバマ大統領の演説で、ローンの金利の税金控除をミドルクラスの市民が恩恵を受けられるように保護する公約。

「高額所得者の税金を軽減するために、ミドルクラスの家のローンの金利の税金控除特典がなくなるというとを拒否する」

大統領の演説はミドルクラスの健全な経済安定を図ることに集中。赤字による減少で税金が上がることを、年収が25万ドルまでの家庭に対して影響がないように2期目で公約する。...

要は25万以上の所得者に対しては税率が高くなるということですね。

オバマ大統領の政策と公約、どう思われますか?

Obama Promises to Protect MID for the Middle Class

DAILY REAL ESTATE NEWS | FRIDAY, SEPTEMBER 07, 2012
President Barack Obama in his speech last night to accept the Democratic nomination for president said he will protect the mortgage interest deduction for middle-class families.

“I refuse to ask middle-class families to give up their deductions for owning a home … just to pay for another millionaire’s tax cut,” he said.

The president’s speech focused heavily on preserving the financial health of middle-class households, and he said that any deficit reduction and tax increases that he would seek in a second term would not affect households earning up to $250,000.

“I want to reform the tax code so that it’s simple, fair, and asks the wealthiest households to pay higher taxes on incomes over $250,000 — the same rate we had when Bill Clinton was president,” he said, “the same rate we had when our economy created nearly 23 million new jobs, the biggest surplus in history, and a lot of millionaires to boot.”


Alluding to the excesses in mortgage originations during the housing boom and the subsequent mortgage crisis, the president touted the rules that are now in place to protect households from taking out loans for which they don’t have the ability to repay. “We believe that when a family can no longer be tricked into signing a mortgage they can’t afford, that family is protected, but so is the value of other people’s homes, and so is the entire economy,” he said.

The president says in a Q&A for the September/October issue of REALTOR® Magazine, which comes out in mid-September, that he’s open to ensuring the rules don’t cut off the flow of mortgage credit to otherwise creditworthy borrowers.

“We will work with regulators to strike the appropriate balance for a healthy market that is open, fair and sustainable over the long term,” he said in the Q&A.

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