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The real America real estate

Http://finance.jrj.com.cn/opinion/2010/10/1110548301319.shtml

 

Americans buy a house is an investment, so it will not to have the house and let themselves become mortgage slaves, families in the purchase of residential, pay more attention to the consideration of their economic capacity and debt burden on the impact of normal life, so on the American housing generally follow several principles.

 

First, decide whether they have the ability to have a 28% golden rule is to buy a house, the family each month to repay housing loans does not exceed the amount of the monthly income of 28%, such as an annual family income of $80000, each month for mortgage payment should not exceed $1866.

 

Second, a family each month for the total expenditure on housing should not exceed 32% of monthly gross income, this is 32% law. The total expenditure on housing, including housing loans, housing insurance, community fees and real estate tax. For example, a family income of $80000, per month for the total expenditure on housing should not exceed $2133.

 

Third, a family each month to repay the debt should not exceed the monthly income of 40%, this is 40% law. Household debt in addition to housing loans, but also including the family credit card loans, auto loans, student loans and other educational expenses. For example, an annual family income of $80000, they have to repay the debt each month should not exceed $2664. If a family monthly pay $2133 mortgage, other debt can not be more than $531. If the other debt is too high, will reduce the amount of repayment of loans, then probably have to consider the purchase price of the house was slightly lower. Because the three laws listed above is America bank audit economic conditions of housing loans to people the most basic standards, if too much beyond these standards, the bank's housing loans will not approve the applicant's.

 

The appearance of the house must have:

1. The southern and Northern dynasties. The southern and Northern Dynasties to the house lighting, ventilation and so on are significantly better than things towards;
2. Double glass windows. We find the house size, replacing the windows need about $16K of cost, price 5 times leverage to the equivalent of about $80000;
3. The ceiling is not popcorn ceiling (because of asbestos);
4. The roof should be at least 10 years of useful life and;
5. The initial maintenance costs: if the need for decoration or other repairs to the house, these costs according to the leverage ratio (about 5 times) is included in the prices to consider, because these costs are usually required to pay in cash.

USA the sale of housing almost are refined decoration, and the configuration of basic living air conditioning, refrigerator, washing machine, heating, drying machines and other appliances, because, AmericanThe law, real property not forming before may not be sold, like the hair germ in the USA Chinese is prohibited transactions. Different calculation methods of housing area American and China, they say the area is the use of an area of heating room, garage, basement, attic without heating is not considered an area, are presented. Independent housing are supplied with a garden, some are swimming pool a. The garage can generally 2-3 car park.

 

In USA, credibility of the money can be used, even if you have bought a house, signed, paid, and went to live there, you can have your inspected the house not satisfied. Or found cheaper, more reasonable structure, the more you satisfied with the location of the house, you can easily check out, without what reason. "Not satisfied" three words is the reason, the reason is very full. No further explanation of what. In USA, "not to return, this principle is also suitable to buy a house.

 

In USA, buy a house landscape is more important than toward the south, generally avoid, because light caused by too much energy. In addition to the construction of the thermal insulation in general do better, and more dry weather, so the direction is not particularly important concern.

 

America luxury villa, half of the value is reflected in the garden, the cost of the house is only half of the. Americans attach great importance to the garden, the importance of many people is hard to imagine.The garden in their point of view, there are two main purposes, one is to help yourself pruning of flowers, the personality of the owner. Chinese immigration make garden waste, old American neighbors see not the past take the initiative to help take care of, people can understand seen the movie "Edward Scissorhands" why Americans then rely on the garden. The second use is to engage in a number of Party activities in the garden, if the home to many, the owner will be the visitor to the garden, is generally around the beautiful swimming pool and central lawn to launch, there are the necessary outdoor bar, grill, orchestra, dance floor, style tents etc.. Some owners according to individual taste is especially provided with tennis, polo field, a large area of lawn, sports, family golf, private zoo etc..

 

USA villa generally try to use natural environment, rather than creating the environment. And because the manual is very expensive, generally use does not need daily maintenance plant. Many villa area density is very low, while the outdoor basic by decades of forest surrounded by, do not need to be too much artificial environment construction. For the mountain villa community, an important means of landscape is the golf course, golf course and Villas by good combination, enhance the value and grade of the villa community. For example American shade Valley Community, Xingang community, Black Hawk community. For the flat terrain of community, through the use of natural and artificial excavation water, prominent waterscape subject, combined with careful treatment of micro topography. As USA wooden bridge community that is so.

 

Americans now each family living space than the last century 70's nearly doubled, the house built more. In 1970, the average population American family is 3.14, the average family housing area is 140 square meters. In 1980, the average population American family is 2.76, the average family housing area is 174 square meters. In 1990, the average population American family is 2.63, the average family housing area is 208 square meters. In 2004, the average population American family is 2.6, the average family housing area is 233 square meters. From 2000 to 2008, American independent new residential standards of living area of 263 square meters. In 2009, because the real estate market in the doldrums, the new independent residential area of 234 square meters of standard back.

 

If a America villa with 400 square meters building area, then a maximum of only 150 square meters bedroom, a master bedroom, a children's bedroom, one to two guest bedrooms, the rest is the living room, recreation room, family room, kitchen and dining room, the public space for the total area of 2/3. In a related public housing survey, a problem for the residential structure of most concern USA public toilet is much, if a house with only one toilet, it would be regarded as a very bad. Americans for family members share a bathroom is not cold at home, so the general residential to have 2 to 3 bathrooms, whether on the toilet or take a shower, individual by individual, do not interfere with each other.

 

In 2008, pretax median income American family was 5 nil $303, American family tax year median income 40000 above $2000 for 62.7% of the total number of family American family. In 2009 America family owned housing rate is 67.6%, this shows that if the median family income sufficient to within a reasonable range of payment of housing prices, which have the ability to have their own independent residential. For USA middle class, buy a $three hundred thousand house burden is not heavy. Because American general family annual income is $seventy thousand or eighty thousand, even after tax of $50000 (equivalent to 350000 yuan), an average of more than $4000 a month, working for several years to loans to buy a house. Moreover, American social security system more perfect, the average family has the ability to more budget in loans. But if you want to buy a $about 1000000 mansion, annual income of at least more than 15-20 million.

 

68% of Americans own their own homes, housing is the low income earners, they enjoy the government rent subsidies. The general low income spent about $100000 to buy a house, or rent an apartment. A building called the apartment America is Chinese usually live in a house. In fact, in USA, apartment is not much, most of the houses are independent villa. Rent apartment, the rent per month, but has not had its own house. If the loan to buy a house, the same month took out a sum of money, but also enjoy the government provides tax breaks. So more and more people, buy a house than rent money.

 

Some China mainlanders to American purchase of real estate, many people's purpose is to their children to have a shelter in America learning. If you own, especially considering their children's education, the primary consideration is the purchase of residential residential district is good, the community is safe. According to this standard, in America Chinese immigrants the largest number of southern California (greater Losangeles) area of Chinese living in concentrated areas, independent residential prices in a 200 to 300 square metres to 500000 ~ 1000000 dollars. Below we look at the actual situation of Losangeles $1000000 following independent residential.

 

Better community in Losangeles, whether local people or the China real estate investors or the like to buy their own homes, if you want to look forward to home appreciation or live in a good community, according to current market prices, the best independent residential price should be around $1000000, this independent residential living area in 400 to 500 square meters, with 3 to 4 car garage. Residential mostly 5 to six bedrooms, four or more bathrooms, plus family room, reception room, kitchen, dining room, front and back yard.Losangeles residential basically is the independent villas and Kang Doo. The building looks very beautiful, as the anti earthquake, in addition to the bottom with reinforced concrete pouring, all wood structure. Wood structure villa, as a natural air conditioner, design and reasonable layout, the amount of absorption of solar light, living in wooden structure house feel like the four seasons such as spring, warm in winter and cool in summer, nature is very comfortable.

 

North American wood structure of the villa is one of the structure of modern housing structure of the most durable. After several generations can live and in good condition. In USA, currently has 95% residents living in the wood structure of the villa. In one hundred years America wooden house everywhere, like be the pink of perfection, the oldest wooden residential structure can be traced back to eighteenth Century. The the Imperial Palace China Beijing Royal wood and brick wood structure buildings after hundreds of years. Equilibrium moisture content of wood in 19% the following, insects can not survive. Only 17% of average water and North America used to built wooden structures villa rate of wood, the invasion and to block the termites use barrier system -- anti-corrosion materials, the insect net, surrounding the spraying of drugs in the foundation, makes Home Furnishing away from these insect infestation. Wood structure toughness, box type structure and the structure of the force having villa divided, its light structure, and has good elastic recovery, for instant impact load and cyclic fatigue damage has a strong ability to resist seismic forces, so absorbed in the earthquake in the small, structure in the foundation displacement can be the elastic reset itself not to collapse. Earthquake in Losangeles of America, wood structure villa, or slightly deformed and will not collapse. Even before the earthquake force is powerful, wood structure villa, being pushed forward the meters or seismic force of the deviation of the foundation, is still intact without falling apart. The load conditions in all kinds of extreme wooden structure villa, anti integrity stability earthquake and structure of its structure. The Japanese government banned civil residence all required the use of wooden structure villa in North America after the Kobe earthquake. Wood structure villa, complete living functions, good sound insulation privacy the best comfort is a traditional brick concrete structure and incomparable. This is one reason why the North America as of seeking and have signs of success.

$500000 in southern California good community can buy independent residential mostly 10, 20 years of second-hand housing, living area of 200 square meters. $300000 in a good community now I can only buy housing and 150 square metres of the secondary housing. Of course, if the Hispanic population is more concentrated in the areas of housing, 300000 to $500000 is still a relatively good buy independent residential. In southern California, some away from the existing and new development rich community area, 300000 ~ 500000 dollars can buy the new 200 ~ 300 square metres of residential independence.

 

The most common America residential construction process

The most typical and most ordinary residential USA, foundation for the concrete structure, except the roof, the other for wood. The use of an area of 180-200 square meters, USA residential most concentrated in the 120-300 square meters. Converted and the price per square metre China consistent with less than $1100, and rose after the Chinese first-tier cities urban renovation of the housing price is equivalent to.

 

In USA, because the standard high, wood structure housing cost is not low, is very strict regulations on fire, moisture-proof, insect resistant, breathable (only 17% of average water for example, used to build the American wooden timber rate), otherwise, once the housing quality problems and the defendant in court, facing compensation could dissipate one's fortune. Even in the China, wooden structure housing the cost is not low. Related information shows: the wooden structure houses all after the completion of the total cost and the concrete and other structure of real pretty, even more expensive, independent residential wood structure per square meter of the total construction cost can even reach 6000 yuan.   

USA residential 4 forms. One is a self-contained type independent housing, the equivalent of China villa, around the garden, not around and any other building is connected, the independent type of housing is the main in America, about half, for the 1~2 layer, with outdoor swimming pools accounted for a certain proportion, more moderate living housing. Two is the Malostranska Residence. The larger proportion, accounting for 30%~40%, for 3 buildings, each 2 or 4 households, mostly around 10 households, mostly residential rental. Three is a large apartment. The proportion of very small, much as 5~6 layer architecture, is for hire. Four is a luxury. Covering an area of large, the construction area is large, as the 1~2 layer buildings, trees, grass and the surrounding water, function level is high, the proportion of small.

The mainstream HOUSE class residential indoor pattern and the domestic is not much difference, but is more concise, more practical, room flat vertical, little round the corner angle. If we must find out what the difference, that is: the kitchen is open, and have a breakfast table; each bedroom has a cloakroom, hardly anyone uses the wardrobe; a larger SINGLE FAMILY HOUSE generally will be separated from the living room hall and the living room, with the smaller meeting; ceiling lamp new a little house more scatter light, rarely with centralized light chandelier.

 

The basement is generally not decoration, mainly used for heating boilers, air conditioners and washing machine, drying machine, and piling up debris, but also some people become the audio-visual room, gym and rooms.

 

In general, the same design standards developers batch built villa to be lower than many individually designed villa prices. The purchase of housing, housing developers to do refined decoration and after strict examination and approval of the relevant government departments. Many Americans are building their own, that is when their own developers, bought land, employ designers, design by the approval of the relevant government departments, to the construction enterprise construction, a very high degree of freedom.

 

Edison of New Jersey City, the first landlord our house is a Vitoria style two storey villa Xiaolou, in addition to each a house, living room, office, library, computer room, kitchen, dining room, toy room, piano room Goods are available in all varieties. with take a shower, the bathroom is four. There is a big underground chamber, has more than 200 square meters. This so-called basement, is not entirely in the underground, but semi underground. There is a row of four fans and two feet high windows, high above the surface, light, breathable. The landlord is the basement to the living room, to decorate a kitchen, a bathroom and a bedroom, and living room, so the package can be used to rent.

In English, the word "garage" has two meanings, one is the garage, two workshop, interestingly enough, the Americans put the two meanings are fully reflected. In America the northern state of New Jersey, the average American's house, not only have a garage, and the basement, the general people's garage are stopped two car garage, individual people, can park three cars, an area the size of the equivalent of three house China. But they are not the car parked in the garage, but stopped in front of the door or the side of the road, so driving import more convenient. And the garage became warehouse and workshop workshop, also some people basement workshop, or workshop, or is the activity room.

The underground chamber, the engineering workload is very large, and this is what the landlord yourself. I told the landlord to the basement in the side wall, 10 meters in width, from floor to ceiling is a row of wooden frame, covered with various toolbox, tools, woodworking, fitter, electrician, plumber, a dozen boxes, all kinds of tools, it is difficult to imagine, like our domestic a hardware store. The basement central is a woodworking lathe, one tall, one meter wide, three meters long, for the processing of wood. Can intercept wood, wood can be planed, can also according to need to drill holes with different sizes, or even a mold making various frame lace.

I have nothing else, will actively participate in the landlord home decoration work. Every weekend, the landlord gave me work clothes, hat, gloves, I followed him to do all kinds of decoration work, both when the carpenter, bricklayer, electrician, plumber when, a few months down, I learned how to use the method, planer, drill, saw many tools. The basement of the renovation process, reflects some American house step method.

First of all he is using timber on the cement floor and put a few rooms division, using a nail gun shot cement nail, the wooden side firmly nailed, and with a long wooden, the support on the floor of the wood and the ceiling beams, as wall column, separated several rooms. 12cm * 4cm square wood, wood, intervals of less than one foot, the basement, to become a few big bird cage. The landlord to teach me how to use the nail gun wood fixed on the concrete, and use a drill in the appropriate place in wood drilling, put on a variety of wire, the junction box, and then both sides of the wooden nails on density board, is separated into a room. Ceiling, treatment is covered with insulation board, the most complex work is to decorate a kitchen and toilet in the basement.

The kitchen is not a big problem, is mainly water, sewer system, a cold water, hot water two, but also the complexity of the circuit system. Four hearth, with mill sink, dishwasher, electric oven are from the shops to buy, the line, the pipeline to be. The bathroom is the most complex project, in addition to water pipeline, water pipeline, water pipeline, cesspool most difficult, want to make a big hole in the cement on the ground, a variety of tools at home generally do not.

The landlord had to go to the store to rent a large impact drill, use it to cement ground to open a 1.5 meter deep pit, two foot diameter, by archaeologists digging tool, remove the pit soil, stone, plastic tub installed on the buy, buy a variety of different diameter plastic pipe, in each, entrance, and then use the special glue. This drill, but not easy to use, is about a metre high, dozens of kilograms. I tried to, started trembling with shock. The landlord wouldn't let me, he a person to do, busy weekends, to complete this work.

Housing renovation renovation needs many kinds of wood, metal pipe, plastic pipe, wire, switch and so on, are in a large building materials store bought, with along with buy, I went to the home building material stores with him a dozen times. Technical problems encountered in decorating, the landlord will read decoration guide book, do not understand the problem, go to ask the neighbor across the street, a dedicated to the people in the decoration of Chinese compatriots, to on-site guidance. The neighbor also for guidance only, is not practical, because as a neighbor, he didn't charge. The landlady told me, her whole renovation project has been under way for several years, is the landlord used the weekend, holiday to do all kinds of work, it is difficult for a person to do, one can imagine. ^ ^ Baidu search, book the latest chapter 16 Chinese reading* * before, the landlord had a colleague to help him do, then the retirement, moved to another place to live, we just came, I am willing to help him do, using method from which we can master a lot of tools, learning American building knowledge.

The house is American's most important assets, middle-class families have their own villa Xiaolou, are different in style, of course are mostly European architecture. Some people are optimistic about the style to buy ready-made house, and some people are buying Italian plots of land, construction by the construction contractor in accordance with the requirements of their own style. USA is a nation of immigrants, the world main nation all the descendants are American, these people put their own culture, civilization was brought to USA, one of the most intuitive is building. European countries, Fang for the residential building Yan, Asian countries the splendours of the different feeling, and the mutual integration, mutual influence, the America architectural style is also diversified.

The world of ethnic outstanding architectural style, in American into the human element of American free and unrestrained, lively, innovative, so that I will. Here we can see the European classical ancient Rome, ancient Greece and medieval style buildings, and the European Renaissance architecture, as well as the modern style concise architecture, Gothic, and Spanish style and Africa style building, Oriental style, Japanese style architecture can also see.

Even some China students, in America work after graduation, to design their own house, not a professional design staff, use of computer software, can also design their own love house. From the building style, the appearance of the wall, the floor, each the size of the room to the quantity, style layout, bathrooms, study, living room, office, to children, can build design according to their own will. Of course, the construction process is also integrated into the Chinese style. I was strolling in the street, see the house construction site, stop watch, sometimes I was into the room one by one look carefully, the process steps, American house can be said to be good.

USA private villa general apartment houses are wooden structure, only the foundation frame with reinforced concrete construction, because the weight is light, so the foundation is very shallow, generally north built underground chamber, there are few basement in South area. The overall structure of the wooden house is made of wood, metal connectors and screw connection, to set up a two layer or three layer, like bird cage like wood, then the outer and inner walls, roof treatment.

Ground wood sound board thickened, all kinds of wire, hot and cold water pipes, water pipes under the cross beams, columns, in between, the inner walls of the house are board or MDF, with decorative paper. Corrugated board in exterior wall with wood and linoleum or outside the plastic waterproof, also some exterior walls are made of stone or brick, but most just decorative walls, not bearing, is after building the house project, a separate brick. The roof is generally used in composite felt tile shape to waterproof material.

Because the method of building, so fast. The finished product house, because the room is decorated, bathroom, kitchen and all equipment has been installed, is very convenient to live. All chest each room are built in the wall, the master bedroom is equipped with a wardrobe, also some houses have to hang clothes special, even men and women are respectively provided with hanging clothes his own room and bathroom. All this, in the housing process, are all together to do a good job, people will feel very convenient for.

In the rest of the walk, I see here the very skilled construction workers, in the process of continuous wall, with a variety of instruments measurement, correction of smoothness and is perpendicular to the ground. Construction workers are mostly old ink, is Mexican. Working time is nine o'clock in the morning, work time is four o'clock in the afternoon, at noon and rest time. Earthwork is the use of mechanical operation, work time, the workers use the recorder music played, while working, while listening to the song, whistling singing, work like in the game, very relaxed and happy. All kinds of building materials, most are from the building materials business bought have been processed, quantity, quality, price is set, an appointment time, suppliers on time, quality, quantity, delivery to the door, they are very particular about the reputation. At the construction site, the workers directly assemble, stitching.

In different periods American, construction of the house, a popular style different, USA now fashionable is the large French window. There is a new house with a Tsinghua University alumni to buy in New Jersey, we went to visit, very surprised. 20 meters wide, with eight big windows, from top to bottom, the room full of sunshine, very bright, all with white yarn curtains, very nice. Just winter heating, electricity costs, expensive to. However, for high income American middle class, this cost is not what.

Americans this villa house, built up very quickly, a few months can be completed commissioning. Residents of houses around the greening and beautification, flowers, trees, lawns. General North House basement is the winter sports activity room, there is a table tennis table and a variety of fitness equipment, slides, leap the bed, children's play facilities, also Goods are available in all varieties.

American courtyard also is very exquisite, a front yard, back yard, a very large area. In general, the front yard is open, the backyard fence about each and every family, the hospital has a children's play facilities, slides, swings, large leap the bed, a private tennis court and swimming pool are some of the others. The front and back of the house is the four seasons flowers, grass green, lawn sprinkler system, their regular mowing the lawn, also can ask the specialized Service Corporation to trim, a 30 ~ 40 dollars, spend hundreds of dollars to buy their own lawn mower, family grass, flower, is a leisure and entertainment, is also very fun.

USA this villa house is fire is not good, we in New Jersey, a night train heard save near fire. During the day, I saw a point near the site of the house on fire, a little wooden roof burned away, all become a reel right and left black charcoal. This house is another drawback, hurricane proof, see on the television American often hurricane, tornado, the wind through the place, the house has become pieces of wood. But the advantage is the anti earthquake, because all built wood truss, not easy to fall, if the collapse, is not easy.

The construction process and method America this house and I was in the home country when the educated youth, the see in Liaoning rural areas of Kuandian are similar, there Chinese farmers to build a house, also is the first to use wood pitched roof. But because the local timber shortage, a house only four pillars, the roof is a tripod wood, only a few of the wood, and not like a birdcage. The wall is made of stone and mud piled up, and what "wall to the top, not really" argument, he is built, and the width is narrow, the above, it was an exaggeration to say, with his feet a kick, the wall can pour.

China city to build a house, is a brick structure, with bricks and cement as main material. This house is strong, if a large earthquake, but kind of dangerous. And resource USA this house built of wood, America rich, but Americans don't cut down her forest, but from South America imports, the market a 12 * 4 square and 3 meters long wood just $2, less than Chinese domestic.

More than four rooms housing accounted for 90% of the total housing
The above American 4 rooms housing accounted for 90% of the total housing, indoor use area in the middle value of 177 square meters, the house covers an area of 1416 square meters for the intermediate value.

Home ownership is the core America dream. In America, the purchase of housing is not only to live, but also on the choice of life style and investment. If the thought of pastoral life of leisure, you should buy a garden around the independent housing, the weekend can prune the trees and flowers. If in order to facilitate the work, the city housing units, to drive to the beach to enjoy the sun and sea breeze weekend.

USA ordinary families through the purchase of housing mortgage loans is not a few, especially because of the economic crisis, the first set of housing loan interest rates lower, to attract a lot of people through the mortgage purchase.

In May 12, 2010, America housing 15 year fixed rate mortgage was 4.3%, 30 year fixed rate mortgage was 5.03%, significantly lower than the purchase a car and other uses of the loan interest rate. Mortgage interest rates low and attract many high income groups to join the ranks of the mortgage, to save money in other areas.

The first payment is generally 10% of house prices, in fact there are more than 20%, the veterans is zero shoufu. Much Shoufu ratio, is decided by the government preferential policies and personal economic conditions.

Real estate transaction, in addition to a payment or Shoufu, also need to pay the inspection fee (about $200), the loan application fees, fees, transfer of registration fees, measuring the attorney's fees, transaction tax, fuel tax, real estate tax heating costs and so on, all of these taxes are added together, about the price of 3%-8%. If you hire a real estate agent to purchase housing (real estate brokers typically employ by the seller), still need to pay the broker a fee, the cost price is 5%-7%.

 

The property tax rate is high

Property tax can be half a turn, can also be a year. In addition to the property tax, but also pay a garbage disposal fee. Waste disposal fees according to the number of bins for each bin, to pay a $10 monthly. If there are two garbage bin door, one for the placement of the ordinary garbage, one for the placement of Recyclable garbage, garbage disposal fee per month to $20.

Generally speaking, USA property tax rate is the value of housing 1%-3%. Between real estate tax vary widely among regions, and even different parts of a city tax is not the same, the rich area, community environment is good neighborhood property tax rate is relatively high. This can be understood, but also high prices in areas with high rates of property tax. This is probably the government through the real estate tax rate affect the civil housing preferences, prevent people from overcrowding in an area. Again, if the local government spending increases, momentarily will also increase the property tax rate, because the property tax is the main revenue of local government.

 

USA real estate property tax is called fixed value for Gu (i.e. fair market value) of taxes, even if a community of real estate property tax rates the same, homeowners also because the degree of decoration of each residential area, houses of different pay different amount of property tax. The calculation of property tax is mainly in the real estate value is multiplied by the property tax rate to two, the annual payment. The value of real estate mainly includes two aspects, one is the value of housing itself (value, decoration mainly based on the purchase of added value and market value added), twoLandThe value of. So a community also is 300 square metres of residential, for occupationLandDifferent area, property owners pay an annual property tax will be different.

 

Real estate property tax rate in the formulation of the main basis for the government budget and expenditures to levy, first is to look at every year the community service, spending much of primary and secondary schools and school districts spend how much, and then look at how much the government levy sales tax and other taxes, government spending minus the tax, but also the difference how many, it is left to the real estate property tax to plug the hole. The government will decide the property tax rate according to the need to levy property tax amount and the local real estate market value.

 

Real estate property tax is an ad valorem tax, is based on the residential value and tax, which is different from the personal income tax and sales tax, not the personal income and consumption tax to the tax amount, but according to a person with many real estate value. As long as one has real estate, his life must pay the tax year, unless he does not own real estate.

 

If a person has a market value of $1000000 independent residential, whether he should be in accordance with the $1000000 to pay real estate property tax? No, all real estate the put value will set a value ratio, such as real estate market value of 5%, 15%, 30%, 40% of the real estate tax value. If the real estate tax value is 15%, 1000000 dollars in 150000 dollar value of residential taxes. The key factor to residents to pay property tax is the property tax rate, if the property tax rate is 2%, then $1000000 worth of the residents each year to pay property tax of $3000 (150000 * 2%).

 

The law also provides, homeowners in their yard to build any additional facilities are required to obtain government approval, and will be added to the original information owners have the real estate assets. In second years the real estate tax levy, the real estate tax will take into account the additional facilities and increase.

 

California's real estate market is in addition to New York America highest area, but California's real estate property tax is lower than New York, the original 1978 people voted for Proposition 13, strictly limit the government to increase the public real estate property tax burden, the government levied on real estate property tax because inflation rising every year should not exceed 2%, or according to the actual market value, whichever is lower value to the collection of real estate property tax. California Moline County residents of the median household annual income is $88101, the median value of the independent residential is $912100, and every year the residents to pay property tax in the amount of $5233, the same situation is the same as in other rich county, California, residents of Santa Clara county each year to pay real estate property tax in the amount of $4437, San Mei mention Europe County residents each year to pay the real estate property tax in the amount of $4208.

 

In Georgia, for example, a house sell fixed value of $100000, the state took Gu value 40% or $40000 as the tax base, removed the $2000 and the local government allowance of $4000, multiplied by the millage, Georgia millage was 3%. Millage's decision is based on the county, city and district annual budget to decide, the government needs to spend more money, more tax, real estate property tax millage will be high, otherwise low. So a $100000 home in Georgia annual industry mainly property taxes for: (40000 - 2000 - 4000) * 3%= $1020, accounting for 1.02% of the value of the house.

 

In 2010, New York tax real estate value is only 4.4% of the value of the real estate market, that is to say, a $400000 market value of residential, only need to press 17600 dollars to levy property tax. This is mainly to protect homeowners interests, but also to allow more people to own their own homes. Otherwise, the real estate property tax is too high, in contrast, will reduce the public housing capacity. From this perspective, levy high property tax will limit the public housing desires, as can depress prices and income and consumption capacity of the whole real estate trend and people.

 

USA property tax is a lot of relief project, for example, the first suite loan interest payments, according to many tax breaks, such as the income tax and so on, in order to alleviate the burden of property buyers. According to Alex F. Schwartz Book Introduction, "in 2003 as an example, there are 150000000 property buyers benefit from federal individual income tax exempt mortgage interest". In addition to the tax, the federal government provides for the low income subsidy mainly has three forms: 1) to support specific housing project construction. 2) help renters get private housing market. 3) to provide funds for state and local governments, the development of their own projects.

 

    50 states America real estate property tax

 

State   The average tax rate%       State   The average tax rate%

USA  1.38           Missy Siby  1.44

Alaska  1.80       Montana  1.65

Alabama  0.65       North Carolina  1.10

Arkansas  0.88          North Dakota  1.84

Arizona  1.21       Nebraska  2.15

California  0.68     Singh Hampshire  2.21

Colorado  1.08       New Jersey  1.78

Cone de G  1.72        New Mexico  0.72

In Zambia, brother  1.31   Nevada  0.83

Delaware  0.68         New York  1.76

Florida  1.20       The Ohio  1.81

Georgia  1.52         Oklahoma  1.03

Hawaii  0.40         Oregon  1.22

Iowa  2.15         Pennsylvania  1.70

Idaho  1.42         Rhode Island  1.52

Illinois  1.79       South Carolina  1.38

Indiana  2.12       South Dakota  1.96

Kansas  2.09         Tian Naxi  1.07

Kentucky  0.96         Texas  2.57

Louisiana  1.02     Utah  1.31

Massa Chusetts  1.07        Virginia  1.12

Maryland  1.06         Vermont  2.06

Maine  1.75            Washington  1.13

Michigan  1.91          Wisconsin  2.09

Minnesota  1.27       West Virginia  0.95

Missouri  1.42         Wyoming  2.18

According to the national 54 big city housing information USA housing monitoring bodies released in May 10, 2010, the national 54 large city has yet to be sold 1187733 sets, the average price for each $242073 (expected price, non traded), the general trend is the decline in housing prices.

5 city the lowest price is Michigan, Detroit, at $109900, down 12% compared with the same period last year; the Nevada Las Vegas, at $135000, down 10% year-on-year; Cleveland Ohio, at $139900, down 5.7%; Indianapolis Indiana, at $145000, down 3.3% year-on-year; Omaha, each149900 dollars, 6.3% year-on-year drop.

5 the highest price is California city of San Jose, at $499950, down 5.6%; California, San Francisco, at $499900, down 6.1%; California orange, $450000, down 0.8%; Hawaii Tan Xiangshan, at $450000, down 3.2%; New York, Long Island, at $429000, drop compared to the same period 4.5%.

 

Each house an average of $280000 in Washington
According to the labor department data released American, 2008 American altogether has 135185230 employees, the average annual income of $42270 America employees, pay attention to, this is the average income of all the employees, the average income is not only eat imperial grain. That is to say, American ordinary workers can use 5 years of salary to buy the use of indoor area of 177 square meters, covers an area of 1416 square meters of housing in 54 large city, the reasonable prices of a harmonious society proposed by the United Nations should be personal income 3-6 standard.

Have a look below USA Washington prices nearly 4 years of changes. USA Washington in 2006 April price for each $489528 to $446862 in April, 2007, 2008 and $357739 in April, in 2009 to $320725 in April, in 2010 to $316173 in April, prices fell by an average of 10.4%. In these 4 years, the highest price in 2006 May, $490354 in 2010 January, the lowest price, $286000.

Although it is now in the stage of economic recovery, but the real estate market is a buyer's market America. According to MLS data, a lot of houses priced at $50000, the price of $10000-20000 house is not rare.

According to the American housing monitoring mechanismReleased in May 10, 2010, while the announcement, the whole American listing of the new house cost 10 houses the highest only in the $501000 to $505000.

The American housing owned rate 68.3%
According to 2008 statistics, a total of 128203000 housing units America permanent (in addition to 4402000 sets of seasonal housing), 80406000 sets of independent housing, independent housing accounted for all types of housing 63%. America population is 304059724, every 2.37 person has a permanent housing, 2008 America average household (life of the people live in a house a households, and households have not) 2.55 people, that is to say, USA now housing has been saturated. USA housing owned rate is 68.3%, the rental rate of 31.7%.
 

America prices in 1940 the average cost of $30600 (in 2000 dollars, the same below), in 1950 for $44600, to $58600 in 1960, to $65300 in 1970, to $93400 in 1980, to $101100 in 1990, to $119600 in 2000, an average annual increase of 2.3%. In San Francisco, for example, more than a decade ago, hundreds of thousands of dollars to buy the house, now to millions or even millions of dollars to buy.

The median price America rent for $284 / month, 1940, in 1950 for $257 / month, in 1960 for $350 / month, in 1970 for $415 / month, in 1980 for $481 / month, in 1990 for $571 / month, in 2000 for $602 / month, the rent an average annual increase of 1.26%, growth rate housing prices increased by 55%.

 

In 2007, housing for the mortgage, property tax, housing maintenance costs and depreciation costs $972 / month, the national housing valuation intermediate value of US $191471 per set, the housing transaction price of intermediate values seen for $100359, can be, the actual transaction price American housing is value 52.4%. In 2007 the housing vacancy rate is 13%.

 

The highest American prices is probably New York's Manhattan area, where the land, only the billionaires can afford to buy a house. The city is concerned, the highest American price is New York, followed by Losangeles, Washington, San Francisco, afraid is metropolitan, be like Las Vegas, Santiago, Miami prices are not low tourist city, and as the Seattle, Boston, Chicago and other developed areas of the city house prices are not cheap. Of course, like Detroit, Atlanta and other old industrial city, now than in the past as high prices will not. American has two coastline on both sides, so prices are not low. And it is only in the remote northern and central agricultural area, especially of land prices are relatively cheap.

 

Buying a house is not the bigger the better, but also the environment and security, to see whether they need. In America, bought a house, you will have permanent ownership of real estate, not like the ownership of domestic only 70 years. But even in your yard, no similar urban construction department approval, also can not build a house, it is probably in order to tidy, need a comprehensive planning. Besides, a large courtyard, lawn light, leaves the workload is very big also, do I have to clean the yard every day busy, mow the lawn, no time for anything else. If hire, it is not a small sum of money. Also, such a big place, around and no walls and fences, away from the nearby neighbors, one to the evening, the dark around, although there is room alarm system, but many still worried and afraid. American house without windows, doors, if late at night a casual visitor, a bit scary, no wonder USA people sometimes for self-defense has a gun. So, in USA buy a house, not only to consider the price, environmental and safety must be considered.

 

In American buy a house, one of the factors to be considered in regional, lot is buy a house when the choice. The so-called good or moderate, super regional, area, is a convenient environment, safety, and other aspects are better area. Specifically, the environment is good, the scenery (Lake, river, mountain view, Seaview) house; security refers to the area, lots of low incidence of neighbors, high quality; pointing away from the school, convenient stores (of course not too close, too close to the noise will not be quiet, like in the quiet American living environment), schooling, shopping more convenient, generally to drive ten minutes for the best. In addition to individual homes and scattered on the roadside residential, in American, residential is a community, but also as the property management of domestic residential district the same department, but also pay management fees. However, some areas are closed management, some not closed management. Closed management areas, relatively more secure. Closed management and no guard, but the door to swipe your card to get in. Visitors to enter the area, must call and contact the owners, by the owners permission to enter the remote control to open the door. Management closed some guard, the guard gate, visit to registration, no registration is not to enter inside the plot, so of course, higher security, but also to the high number of management fee. A good implementation of closed management areas, doorman, every household management fees of about $2000, without the guard, about 1000 dollars. Management fees also contains compound health (a lake, the lake water governance also includes health) and every household design, front yard flowers. America house, a little better, are generally around the yard. The front yard is mainly flowers, lawn, for viewing, are generally uniform design by the District, the no front yard as practical. The Institute is the self arrangement, can grow flowers, trees, tables and chairs and benches, offering the game place, excavation and swimming pool, etc.. Some house backyard had a swimming pool, the pool house is not really expensive.In American, every yard have been carefully green, including low income houses are so.So in the America buy a house, is the practical point of view, or choose a little better. Of course, to say the difference is American, pay more attention to the living environment, and China pay more attention to the living area. Here's why, is USA adult few, and Chinese land scarce.

 

The real estate business annual profits of more than 10% government bailout
America 1949 through the "Housing Act" proposed USA housing targets: "let every family can have a comfortable home in a suitable environment". In 60 years, America government take various subsidies for low-income families housing, such as low-cost housing, rental housing vouchers, public housing, low-income housing tax credits, the first set of housing mortgage interest tax deduction.

USA from 1940 to 2000 prices an average annual growth rate of 2.3%, can be seen, to prevent overheating real estate tax, curb the rapid rise in prices play a decisive role. Real estate developers profit more than 10% government bailout, through policy and tax system stable prices.

Generally speaking, in addition to 7 years ago at the beginning of the twenty-first Century, America control on prices is effective, in history, there have been no surge phenomenon, the effective protection of the interests of citizens.

 

The following is a link to China several after investors USA property:
1. Overall consulting
To American investment property is a very complex project, prior to a full understanding of the process. From a professional, experienced, licensed in the USA consultation is very important.

There are two main aspects of consultation:
1) from the lawyer: help you explain how to handle the funds, account, and the most favorable property all the way.
2) from the real estate brokerage: explain the process of real estate transactions, how to find housing, selection, recommendation and local agent, recommended property management personnel.

Find experienced, professional advisory trust is an important first step.
Please note that in America, people with professional license can offer advice, such as only a lawyer to provide legal advice, real estate brokers to provide real estate advice, accountants can provide tax advice, otherwise it would be without a license to provide professional services, is probably illegal.

2 a professional lawyer
The consulting company will recommend qualified lawyer.
The lawyer has two main functions
1) the establishment of investors' funds, escrow account, is the protection of investors funds, property security, and privacy.
2) according to the specific situation of investors, the proposed investment in what way have property rights. And to help investors to establish property right entity.
Investment immigration to the intent of the investors, but also the immigration lawyers involved.

2 capital preparation, setting up an account
The lawyer set up fund escrow account. This account is completely safe, by American lawyers' Union guarantee. Only the head and the lawyer can move account money.
Investors put money in dollars into account.

3 selected investment region
According to the investment objective, concrete analysis of concrete conditions, the consulting company to help select investment areas, such as which state, which city, which area, which the school district.

Some investors to investment immigration, or return on investment, or in the vicinity of a university and children nearby, or transfer of assets, some future pension, or near the good medical condition.

According to various purposes, for an investment region is not the same.

American vast area, there is only New York, San Francisco, Losangeles several big city. In fact, in such a large city investment returns are not the best.
Location, location, location has been a priority among priorities investment, must be detailed, not just parroting, don't be careless.

4 determine the professional real estate broker
American real estate broker role than China is much greater, for customer service, the legal norms of behavior.
Select a region, plays a crucial role for real estate agents.
The rich real estate can consider your needs, for you to choose and recommend suitable agents across the country. Regularly ask your feedback, if the agent is not suitable for can be replaced quickly for you.

5 determine the property entities
The house is a natural person, such as names, couples, children, American relatives to have, is the need to confirm in advance. The reasonable property right, can avoid property legal risk, privacy protection, tax saving, easy transaction of property rights.
To rely on the law (the law) and the Certified Public Accountants (from the provincial tax advice).

6 the choice of house
Real estate brokerage will first have to look at housing investors, and explain, need to bring investors field house.
Real estate brokers regularly to investors to provide new housing market.

7 real estate transaction
Real estate transaction process is complex. Generally no loans to fifteen days. Need to apply for loans to 45 days. Please note, thanks to the subprime crisis, all the banks on loans, especially real estate investment, are very cautious. As in the America no foreign investor credit loan is difficult to. Even if can apply to, the cost is also high.
The last step is "real estate transaction closed Trading (Closing)", the buyer, the buyer, or company, both brokers are sitting together, completed real estate delivery transfer.
The whole transaction process mainly through the housing, apply for loans, insurance, property assessment, analysis, water gas transfer, and so on, to more effective collaboration.
Process, the general real estate transactions by the buyer, the seller the respective agents led.

8 property management
America owned property tax to real estate, real estate tax is about housing prices 1 - 3%.
So the general investment property if not the house his family to live, to consider the rental income.
To rent, must have the professional management.
America property management professional degree high, industry also requires property managers licensed.

9 properties for sale
As with stocks, in the investment, it is necessary to take into account the exit conditions.
The sale of the property, but also to find a real estate broker, will house listed, and coordinate the sale process steps.

 

The choice of mortgageFind the brokerage money

Housing loans America seemingly simple, actually complicated procedures, mortgage interest rates and the impact the owner for 15 years to 30 years, so from the selection of loan companies to the last house to house, each step must be circumspect.

 

Pre loan certificate

When deciding housing agent, must first find a mortgage company (find a mortgage company), got the "pre loan certificate" (pre-approval).
Loan companies will be based on income (income), credit score (credit report) determine the amount of loans, loan interest rates also influence even, the competitive strength, whether can get good house.

"Pre loan certificate" is not finalized, alone is estimated about how much loan application loan. The best people to contact a number of loan companies and banks, to compare rates, costs and loan number, usually a number (1 point) is 1% of the total loan amount.

Mortgage brokers and lenders (broker) (lender)
Mortgage brokers and lenders (broker) (lender) is the two term most often heard the mortgage process, the majority of Chinese people confused. broker is employed by investors, to help investors to seek loans resources, while lender is the real "money", but also provide housing loans institutions.
General for mortgage brokers rather than directly to the bank to negotiate better, they will be assisting the credit shortage, not get loans to homebuyers, trying to get the best interest rate loans or loan.
However, some of the loans, mortgage brokers can directly assess the public loan certificate, but there is some need to be made with the bank. Broker although the website can provide the lowest interest rate loans, but not necessarily get, people have to be careful, don't be deceived by the digital low interest rates.

In addition, buyers can be better business bureau (Better Business Bureaus, BBB) website credit company or bank credit, have a look have a bad record.

If you encounter bad mortgage brokers, also filed a complaint to the better business bureau or the consumer protection committee, even with the Federal Housing and city development department (HUD) contact.

Housing loan type

The majority of housing loan period of ten years, 15 years or 30 years, including a fixed interest rate (Fixed Rate Mortgage), floating rate (Adjustable-Rate Mortgage), and the Federal Housing Administration (FHA) loan.
Fixed rate mortgage is to keep the same rates throughout the loan period, while the floating rate mortgage interest rates is to follow the market ups and downs, but lenders began to get lower payments and lower interest rates at the beginning.

If you apply for loans credit shortage, need to apply for loans from the Federal Housing Administration (FHA), right payment requirements will be relatively low, but most sellers do not accept such loans, reduce a lot of housing choices, please refer to portal.hud.gov/portal/page/portal /HUD/federa l_housing_administration site.

Housing loans to file
Determine loan company, people need to be prepared to file W2 form single, proof of wages and two to three months of bank account statement (bank statement). General mortgage brokers will help applicants seek credit scores, but the best people to the Internet for free credit report once again confirm.
During the application of housing mortgage loans before, it is best not to apply for other loans and credit cards, so as not to reduce the credit score. If interest rates to rise, can consider to pay a bit more for the rate lock, while considering floating rate.
In addition, funds from abroad, must provide the funding sources include the correct, remittance bank data. If the loan application is not America citizen, also need to provide the legal residence visa and passport copy.

No USA work history, credit record, America legitimate visa, driver's license, and even social security numbers, to apply for a loan is difficult, require each loan companies, foreign nationals have different and conditions.

Housing loan insurance
If housing down payment of less than 20%, most of the loans company loans will identify high-risk group, asked the public to buy housing loans insurance (Private Mortgage Insurance, PMI), until the repayment amount to 20% to 22%.

For example, if the price was 300000, only 10% of the first payment of 30000 yuan, about 270000 of the loan, monthly housing loan insurance have to pay about 140 yuan.

 

To USA "real" to think twice

Chinese always on immovable property investment show special preference to. But to American "real" but need to look before you leap. In USA, buy a house is a serious matter, it is a very complicated matter. Price, location, community, business opportunity and transaction procedures are learning. Ms. Ma taught at California State University says, she is in the vicinity of Losangeles to buy a satisfactory housing has been running for half a year, has failed to do so. Good quality, reasonable price, lots of good house, there are several people at the same time bidding.

 

The reporter friend Mr. Fang work in the vicinity of the Stanford University. In August last year, he bought a set of two layer Townhouse in the Bay Area (the platoon villa), for $600000. After the outbreak of the financial crisis, California average house prices fall a lot, but his area decline is not high, is not anxious to sell, the reason is the area with the bay area the best high school, community environment is also very good, most of the tenants is the middle class.

 

As for the investment in education, the American school complex than I am afraid Chinese concentrated. Mali Lanzhou Montgomerie county has many America ranked in the top 100 of the high school. These schools around the house prices never fall too, including rental. Where real estate agents said, these regional housing prices have not seen since last September.

 

On the Chinese enthusiasm for American property, America Indiana real estate agent Tom said, the purchase should pay attention to the following points:

 

One, if the purchase is for investment purposes, this is not a good choice. In USA such a mature capitalist system, expected real estate investment return rate is higher than the market average, is not too realistic. If you insist on investment in real estate, the monthly rental income to pay all expenses sufficient property, including loan interest rates, transfer fees, property taxes, and other expenses, real estate vacancy rate, repair costs as well as the property of the income tax influence.

 

Two, whether the purchase is for investment or self living, should pay attention to avoid the only cheap and rush to purchase. At present, the cheaper housing is composed of a bank of the auction houses and the old housing, poor quality, not investing huge fees decoration cannot live. America government for housing service life has the strict stipulation, a depreciation rate of housing each year. If you buy old houses, property buyers finally to the old house renovation, the purchase money with money is not much difference.

 

Three, American prices larger area are relatively remote, or security and environment is poor. Good community house prices fell slightly.

 

Four, buy a house not easy housing more difficult. In American purchase needs annual delivery high property taxes, lots better housing rent amount higher, prices for 1% of GDP to 6% per. For example, in Losangeles a rich area, a $about 1800000 housing, to deliver the annual real estate tax is more than 20000. In addition, in some states, the local government will come every year to re housing valuation, then according to the valuation adjustment tax. If last year bought houses is $500000, but the government valuation is $600000, the owner will have to pay more taxes according to the new valuation.

 

Five, if the purchase of residential area to focus on the management of housing, every month to pay the property management fee. For example, in Losangeles, a middle-class District, monthly management fee of around $150.

 

If Chinese bought American real, he does not live, leased to others, the community is very important. Buy cheap housing, but the community is not the money to the poor. Then they "rent", may not pay the rent, some people even forced "white". So, if in the American no friends to help, please intermediary to help. Usually the house seller will please intermediary coordination, the Commission is 6% of turnover. Intermediary buyers and sellers each share 3%.

 

If you bought a house, for various reasons not to 3 years to sell. Then, the sale will be a headache. This house must be 3 years rise at least 6% to be protected, because the intermediary fee is 6%. The reporter friend Mr Kim Engineer in Seattle, bought a $400000 house, 2007 by the end of 2008, he was sent back to Chinese work. Prior to departure, car, furniture handle, but the biggest guy don't sell, unless for less than the purchase price of the sale. Mr. Kim decided to rent out the house, although the actual rent received less than hundred dollars for the bank, but also feel helpless.

 

Some people say, to know the truth of the Chinese, rather than America property is a piece of cake for everyone, as it is a look of deep does not see the bottom.

 

From 1890 to 2004, the average annual American housing assets return rate of only 0.4%. But this algorithm only considering the property itself, the major factors of the following all ignored. Sure, if you sign a pay check, you will never see your money. Because even if you sell this house, you still have to take this money to pay a down payment on a house. So if you buy a $400000 house, equal and hard-earned 100000 goodbye. You can on the front lawn to put a small sign, write "rest in peace, one hundred thousand block".

 

Transaction cost. I have forgotten the extra spending two buy a house in the end how much. But basically have to burn the house price two or three percent so much. The lawyer fees, property insurance, moving fee, and I buy antidepressant medicine fee. Add up to about 2% to 3% to the price.

 

Maintenance work. Anyway, things are bad, then you would have to repair. You have to take a lot of things. You will find when you no longer live in the house, all things are bad. But all things are bad three. Then you have to lie down, drilling, fix them. Open the book. Have a look, and money. I rent, dishwasher broke, I leave the landlord shouted to repair, or buy yourself a, deducted from the rent. Sears department store (Sears) will send someone to help me with him. I don't have to do what. The repairman and landlord Sears for me.

 

Property tax. The legend of the mortgage interest deduction tax. Come on. This in your tax items is just a drop in the bucket. You pay all property related taxes is big. Without this expenditure, your children will have the chance to receive a good education. It's up to you.

 

Buy a house to secure their own. Let's read about, why have housing property in American into a similar superstitions. Because the enterprise wants to limit employee occupation choice. So the enterprise encourage employees to buy a house, so they are trapped in the house, can not move away to find something else. Salary level is a function of supply and demand in the market. If you can't near moved to the new company, so can supply you with the opportunity to work less. This is you can not refute the fact, but young people continue to join the market, competition for jobs and you.

 

The worst investment award. When you say "buy a house is an investment", you forgot to property has all the factors of investment in the most taboo: A. lack of liquidity. You can't keep housing assets. b. financial leverage is too high. In most cases you have to borrow a lot of money to buy a house. C. reduces the investment diversification level. For most people, the house will constitute the largest part of their portfolio, and far beyond personal net assets 10% this portfolio rationalization proportional limit.

 

Buy a house to secure their two. Some people like to have a sense of belonging. But I personally like every time it out for a breath of fresh air. In 2009 March, I in the New York stock exchange is the opposite rent a house. It is really very interesting. From the window I can see the Wall Street. More exciting! Before that I and rapper Chubb Locke (Chubb Rock) lived together in the hotel Chelsea. I decided to relax for a while last year, went to American North moved. Now I can see out of the window, the Hudson River is flowing. Here is very quiet, I can in the river to enjoy the early morning walk without noise. House and move it only took us two weeks. No do things sloppily trouble. I like that without a tie in the world of life.