我们差不多在NJ NORTH 看房一年多了，(CHATHAM, MILLBURN, WESTFIELD, LIVINGSTON) 真是研究越多越谨慎，其中也有两个房子被别人OUTBID，所以没有买成，不过反而觉得庆幸，因为如果现在再把房子LIST的出来可能ASKING PRICE WILL BE LOWER THAN THE SOLD PRICE BEFORE.
livingston是16%的税率, 不过那里按地价乘, 不算房子价格. 一般地大概8万左右, 都是听说的. 不过地税会随房子估价降的. that's it theorically true but you will never see a drop in proprety tax. because tax is depending on how much the gov need to spend. it's always going up.
1 million house to less than 700k (don't know how much lower), if I were the owner, walk away, destroy the house, walk away but please do not destroy the house.
Haha, if you lose so much, I bet you will. That's why house is better than stock. the house didn't force people to buy it, it's the buyer who makes the decision to buy. no offense, but jsut because of such irresponsible attitude, houses were left behind trashed. You don't get a dime back trashing it, why do so?
Suppose that owner is a responsible person, (he already put at least 40% equity in this house), he worked hard and is well paid, pay huge tax every year, he got laid off because he is a H1B holder, he was teased by US governor first labor card, RIR, BEC, now he's old and was kicked off, people said you are not a responsible person you should not buy a house with any loan, pay all cash or you don't buy. What he should say, yes, I should contribute all my life but no right to enjoy anything, I'm not a NIU
1 million house to less than 700k (don't know how much lower), if I were the owner, walk away, destroy the house, never never do that, cause bank has the right to sue you and get the loss back... If they win, the money will be taken out of your every paycheck
that's it theorically true but you will never see a drop in proprety tax. because tax is depending on how much the gov need to spend. it's always going up. that's absolutely true, the house value is lower, but county can always raise the rate to keep the property taxes at the same level.
以下是引用kittycy在2009-2-11 11:51:00的发言： Suppose that owner is a responsible person, (he already put at least 40% equity in this house), he worked hard and is well paid, pay huge tax every year, he got laid off because he is a H1B holder, he was teased by US governor first labor card, RIR, BEC, now he's old and was kicked off, people said you are not a responsible person you should not buy a house with any loan, pay all cash or you don't buy. What he should say, yes, I should contribute all my life but no right to enjoy anything, I'm not a NIU
the thing is, when he decided to put down 40% to buy the house, when he had the job, he should save at least some cash in case something bad happen. If he can't afford the house for at least a year without any income, he should not buy it at the first place...
that's absolutely true, the house value is lower, but county can always raise the rate to keep the property taxes at the same level. I have $400 lower property tax for 09 because the county appraised my house and lower the value a little. And my friend live in long island get more deduction. Usually county appraisal is a little bit higher than your closing price. [此贴子已经被作者于2009-2-11 12:01:29编辑过]
never never do that, cause bank has the right to sue you and get the loss back... If they win, the money will be taken out of your every paycheck people do that usually brankcrup la bah? no more responsibility after that... that's my guess
the thing is, when he decided to put down 40% to buy the house, when he had the job, he should save at least some cash in case something bad happen. If he can't afford the house for at least a year without any income, he should not buy it at the first place...
People never need to put 40% equity in the house, no bank required, and that's why I feel sympathetic of the owner, he can cash out anytime before the crash, but he choose to leave in the house, be the only loser, not fair. At least, bank should also share some loss. Actually for irresponsible people like 0 downpay guys, bank take all loss. That's what I feel unfair for this system.
People never need to put 40% equity in the house, no bank required, and that's why I feel sympathetic of the owner, he can cash out anytime before the crash, but he choose to leave in the house, be the only loser, not fair. At least, bank should also share some loss. Actually for irresponsible people like 0 downpay guys, bank take all loss. That's what I feel unfair for this system.
I know that this house's owner didn't put down 40%, it is a short sale ..., so the morgage company is suffering. Since the government is printing money to help these bad loans, we, taxpayers are the person who actually paying for it...
I know that this house's owner didn't put down 40%, it is a short sale ..., so the morgage company is suffering. Since the government is printing money to help these bad loans, we, taxpayers are the person who actually paying for it... I have a question, if it's short sale, is that owner cannot have any saving account in US?
I have a question, if it's short sale, is that owner cannot have any saving account in US?
No, even if it is a foreclosure, the morgage company has no right to take out a penny from your saving account, which means if you have zero money down and at the same time you have a million in your banking account, you can always walk away from your property with losing anything... the bad side is, you have no credit and it will be hard for you to get a loan for a while...
No, even if it is a foreclosure, the morgage company has no right to take out a penny from your saving account, which means if you have zero money down and at the same time you have a million in your banking account, you can always walk away from your property with losing anything... the bad side is, you have no credit and it will be hard for you to get a loan for a while...
That's totally different from China ...
Thanks a lot! You are really a knowledgeable girl!!!
No, even if it is a foreclosure, the morgage company has no right to take out a penny from your saving account, which means if you have zero money down and at the same time you have a million in your banking account, you can always walk away from your property with losing anything... the bad side is, you have no credit and it will be hard for you to get a loan for a while...
I know that this house's owner didn't put down 40%, it is a short sale ..., so the morgage company is suffering. Since the government is printing money to help these bad loans, we, taxpayers are the person who actually paying for it... 我猜那卖主也不会放那么多, 不过看那价格跌的, 估计贷款比卖价都要高不少. 政府救银行对纽约的人来说也算好事了, 这里头都是相辅相联. 希望经济能好起来, 大家多发点钞票, 政府也多收点税.
No, even if it is a foreclosure, the morgage company has no right to take out a penny from your saving account, which means if you have zero money down and at the same time you have a million in your banking account, you can always walk away from your property with losing anything... the bad side is, you have no credit and it will be hard for you to get a loan for a while...
That's totally different from China ...
It's only true in certain(most) cases. I just learned that in CA, if you refinance, your new mortgage is typically recourse. A recourse loan means that the bank can go after your own fortune. So one needs to see in which state he/her is located in (judicial or non judicial states) and ask for an attorney's opinion on this issue.
that's it theorically true but you will never see a drop in proprety tax. because tax is depending on how much the gov need to spend. it's always going up.
It's time to buy house! I'm looking for single family house in Jersey, LG and I both work in the city. We're looking for Maplewood, Livingston, Bergenfield, Teaneck. Any suggestions?
以下是引用honeybearbear在2009-2-18 14:51:00的发言： It's time to buy house! I'm looking for single family house in Jersey, LG and I both work in the city. We're looking for Maplewood, Livingston, Bergenfield, Teaneck. Any suggestions?
most people say house price will keep falling another 20-30% in 2009(Metro area). the bottom will be in 2010-2012. after 2012, the house will appreciate a little bit, around 3-4%,just beat the inflation rate.
why you pick maplewood, bergenfield and teaneck? as far as i know, these towns are not in the decent area
most people say house price will keep falling another 20-30% in 2009(Metro area). the bottom will be in 2010-2012. after 2012, the house will appreciate a little bit, around 3-4%,just beat the inflation rate.
why you pick maplewood, bergenfield and teaneck? as far as i know, these towns are not in the decent area Really?????? mm has any good ideas? we work in the city, so we try to look at nearby areas....
以下是引用米虫在2009-2-19 9:23:00的发言： 看来这幢房子真的是合算哈。。。。已经不再listing上了。。 That one is sold? But you said that area is not very clean or has some other disadvantage. Livingston's price looks still very high. [此贴子已经被作者于2009-2-19 9:32:13编辑过]
That one is sold? But you said that area is not very clean or has some other disadvantage. Livingston's price looks still very high. [此贴子已经被作者于2009-2-19 9:32:13编辑过]
under contract now. it is really a good deal, from 1million to 699K!!!! the fair value for this unit in this market is 750K i guess
mm好逗阿 不过，奥昨天出了新政策，不知道对房市有多大影响，何时才会产生作用 I think it is a stupid policy, simply awarding those home owners who should not get a house at the first place. Those people are not sustainable. Saving them will not save the market.
IMHO, the 15000 credit to buyers are the right way to move the market. In the end, it is the buyers who move the market, not those deliquent home owners.
I think it is a stupid policy, simply awarding those home owners who should not get a house at the first place. Those people are not sustainable. Saving them will not save the market.
IMHO, the 15000 credit to buyers are the right way to move the market. In the end, it is the buyers who move the market, not those deliquent home owners.
从今年1月初开始，我明显感觉挂牌价竞相下滑，今天你跌，明天我跌，我保存的几个颇有好感的房子，差不多都跌了有10％-15%，如果再还个10％，就有20％OFF PEAK PRICE。
实在都有点心痒了，以前可望不可及的房子，现在都AFFORDABLE了，不知道该不该下手。
BTW, 我发现，如果买新建的房子，和BUILDER还价，更容易谈下来了。看了WEST NY的一个CONDO, LISTING 687k, 有水景+CITY VIEW, 当场SALES就和我说575就卖给我。VALLEYVIEW AT MONTVALE, 60几万的LIST在54万，还一直说NEGOTIABLE,
既然看JERSEY的MM那么多，如果我们一起去买，会不会折扣更大。
[此贴子已经被作者于2009-2-10 21:47:40编辑过]
去年10月开始看的房，那个时候NJ的好区挂牌价几乎和高峰没有什么变化，当然据AGENT说，还个10％应该没有什么问题。
从今年1月初开始，我明显感觉挂牌价竞相下滑，今天你跌，明天我跌，我保存的几个颇有好感的房子，差不多都跌了有10％-15%，如果再还个10％，就有20％OFF PEAK PRICE。
实在都有点心痒了，以前可望不可及的房子，现在都AFFORDABLE了，不知道该不该下手。
[此贴子已经被作者于2009-2-10 18:42:14编辑过]
的确，我们看到的也是顶级好区都开始跌了，而且抛的很多。。。。 越高级的越难卖。。。最近曼哈顿的统计不是也说Studio和1BR卖得好，价钱很坚挺，可是2BR以上的就很难卖了
去年10月LIST在60万，现在更好装修，更好的LOCATION LIST在了52.5万，这个LIST一出，其余的就跟着减价，因为大家都想逃，只有最低价才逃得掉，AGENT跟我们说，这些屋主都是60几万买的，现在亏10万在卖。
最可怕的是LIVINGSTON TOWN CENTER的一个TOWNHOME, AGENT 出示了当时的成交价，100万出头，
因为买主加了很多很多的upgrades,现在LIST在699K.
5层的TOWNHOUSE, 有私人电梯，3000SQF的LIVING SPACE ,WALKING CLOSET有一个卧室那么大。小区有室内游泳池&健身房。有兴趣的可以去看看。
照片在此
这个是WALKIN CLOSET, 太震撼了，有窗户，就和SEX & THE CITY里一样
这个是LIBRARY
小区内有很多精致的店铺
[此贴子已经被作者于2009-2-10 21:18:19编辑过]
这房子很nice亚，我们这边就没有这样的:(.
[此贴子已经被作者于2009-2-10 21:04:16编辑过]
其实这样的TOWNHOUSE 房价本身并不贵，关键在于一年2W左右的地税和MAINTANIENCE FEE 500/MONTH, 这样COST就高了。
...wow...
房子才60w为什么地税要2w啊？nj这么狠？
这房子很nice亚，我们这边就没有这样的:(.
livingston是16%的税率, 不过那里按地价乘, 不算房子价格. 一般地大概8万左右, 都是听说的. 不过地税会随房子估价降的.
我看到的好象是699,000? 3BD 3BA 那个? 这种是不是三层楼都是一户? 难道现在降到50万了?
[此贴子已经被作者于2009-2-10 21:04:16编辑过]
MM 看的可能是另一个TOWNHOUSE 小区吧，这个是LIVINGSTON TOWN CENTER的，以前都是卖的80，90W的。我觉得还没有到50W的地步。
房子才60w为什么地税要2w啊？nj这么狠？
这房子很nice亚，我们这边就没有这样的:(.
NJ就是这么狠，基本上2000以上居住面积的都要12000以上地税
我看到的好象是699,000? 3BD 3BA 那个? 这种是不是三层楼都是一户? 难道现在降到50万了?
[此贴子已经被作者于2009-2-10 21:04:16编辑过]
是699K, 50万的是regency community.
是699K, 50万的是regency community.
是呀，REGENCY 降了很多，以前2003 买入时差不多是30 - 40 W, 2005，2006 都卖到65+W的，现在LIST就50W出头。可念05，06年买入的，亏了很多。
是呀，REGENCY 降了很多，以前2003 买入时差不多是30 - 40 W, 2005，2006 都卖到65+W的，现在LIST就50W出头。可念05，06年买入的，亏了很多。
看来NJ南部以前降的是不多啊，好像北部大部分地区去年就是2004的水平了，
两三年前，livingston60万以下的房子根本没法看
我猜比较稳定会是50-60万的SFH. 这个版好多NJ的人啊.
BTW, 我发现，如果买新建的房子，和BUILDER还价，更容易谈下来了。看了WEST NY的一个CONDO, LISTING 687k, 有水景+CITY VIEW, 当场SALES就和我说575就卖给我。VALLEYVIEW AT MONTVALE, 60几万的LIST在54万，还一直说NEGOTIABLE,
既然看JERSEY的MM那么多，如果我们一起去买，会不会折扣更大。
很不错啊。不过为什么他们都急着卖呢？是因为丢了工作？
住在LIVINGSTON的，很多都是NYC DOWNTOWN 上班的， 因为有COACH USA 直达，交通很方便。加之是TOWNHOUSE, 应该是些级别职位都一般般的，最容易被CUT掉。现在很多人都在亏本卖。
我猜比较稳定会是50-60万的SFH. 这个版好多NJ的人啊.
加个条件，要新的，房子10-20年新的升值最快，跌得也少，超过50年的就困难了。
住在LIVINGSTON的，很多都是NYC DOWNTOWN 上班的， 因为有COACH USA 直达，交通很方便。加之是TOWNHOUSE, 应该是些级别职位都一般般的，最容易被CUT掉。现在很多人都在亏本卖。
如此说来应该会继续跌一段时间。coach usa是什么？
如此说来应该会继续跌一段时间。coach usa是什么？
是NJ TRANSIT的升级版
另外注意一下nj提高房产税率的可能性还是不小的。。。。。。
还提？，再提大家都活不下去了。WEST ORANGE的TOWNHOUSE, 都要近2万一年，再提我估计不交的宣布破产的也会多了。
还提？，再提大家都活不下去了。WEST ORANGE的TOWNHOUSE, 都要近2万一年，再提我估计不交的宣布破产的也会多了。
有可能的，NJ州政府不是和加州差不多么。。。。。。。。。。
BTW, 我发现，如果买新建的房子，和BUILDER还价，更容易谈下来了。看了WEST NY的一个CONDO, LISTING 687k, 有水景+CITY VIEW, 当场SALES就和我说575就卖给我。VALLEYVIEW AT MONTVALE, 60几万的LIST在54万，还一直说NEGOTIABLE,
既然看JERSEY的MM那么多，如果我们一起去买，会不会折扣更大。
新condo有点像赌博。如果同样户型有很多或者是好户型，就很难降价。如果是最后一个户型或者单元，就可以狠狠砍价。
还提？，再提大家都活不下去了。WEST ORANGE的TOWNHOUSE, 都要近2万一年，再提我估计不交的宣布破产的也会多了。
看今年发奖金的架势，豪宅房主宣布破产的会有。
一个朋友的不错的房子，因为觉得卖不到好价钱，干脆不卖，出租了
看今年发奖金的架势，豪宅房主宣布破产的会有。
How about those bonus paid 06, 07, at least some should go to the real estate.
其实这样的TOWNHOUSE 房价本身并不贵，关键在于一年2W左右的地税和MAINTANIENCE FEE 500/MONTH, 这样COST就高了。
nodnod,我还是觉得买sfh更加值一些
http://www.realtor.com/realestateandhomes-detail/Livingston_NJ_07039_1106514156
这个房子怎么可能有3000 sqft。。。是不是把车库也算进去了。。
这个房子怎么可能有3000 sqft。。。是不是把车库也算进去了。。
看过了，的确有的，整个2楼就是一个MASTER SUITE，卧式超大，WALKIN CLOSET，有人家一个卧式那么大，还有窗户。MASTER BATHROOM都是巨大的那种。
除了三个BEDROOM，人家还有LIBRARY，所以真的很大。
看过了，的确有的，整个2楼就是一个MASTER SUITE，卧式超大，WALKIN CLOSET，有人家一个卧式那么大，还有窗户。MASTER BATHROOM都是巨大的那种。
除了三个BEDROOM，人家还有LIBRARY，所以真的很大。
应该是有的,有独立的living room, family room and recreation room吗?
如果都有,那还不错.
去年10月开始看的房，那个时候NJ的好区挂牌价几乎和高峰没有什么变化，当然据AGENT说，还个10％应该没有什么问题。
从今年1月初开始，我明显感觉挂牌价竞相下滑，今天你跌，明天我跌，我保存的几个颇有好感的房子，差不多都跌了有10％-15%，如果再还个10％，就有20％OFF PEAK PRICE。
实在都有点心痒了，以前可望不可及的房子，现在都AFFORDABLE了，不知道该不该下手。
BTW, 我发现，如果买新建的房子，和BUILDER还价，更容易谈下来了。看了WEST NY的一个CONDO, LISTING 687k, 有水景+CITY VIEW, 当场SALES就和我说575就卖给我。VALLEYVIEW AT MONTVALE, 60几万的LIST在54万，还一直说NEGOTIABLE,
既然看JERSEY的MM那么多，如果我们一起去买，会不会折扣更大。
[此贴子已经被作者于2009-2-10 21:47:40编辑过]
哇，你不要吓我呀。我们刚刚under contract了，这几天正犹豫要不要在房检上挑毛病走人呢！
其实这样的TOWNHOUSE 房价本身并不贵，关键在于一年2W左右的地税和MAINTANIENCE FEE 500/MONTH, 这样COST就高了。
2w??? 500??? OMG!!!
livingston是16%的税率, 不过那里按地价乘, 不算房子价格. 一般地大概8万左右, 都是听说的. 不过地税会随房子估价降的.
that's it theorically true but you will never see a drop in proprety tax. because tax is depending on how much the gov need to spend. it's always going up.
看今年发奖金的架势，豪宅房主宣布破产的会有。
1 million house to less than 700k (don't know how much lower), if I were the owner, walk away, destroy the house,
1 million house to less than 700k (don't know how much lower), if I were the owner, walk away, destroy the house,
walk away but please do not destroy the house.
walk away but please do not destroy the house.
Haha, if you lose so much, I bet you will. That's why house is better than stock.
Haha, if you lose so much, I bet you will. That's why house is better than stock.
the house didn't force people to buy it, it's the buyer who makes the decision to buy. no offense, but jsut because of such irresponsible attitude, houses were left behind trashed. You don't get a dime back trashing it, why do so?
You bet but I will not.
Haha, if you lose so much, I bet you will. That's why house is better than stock.
假如说你还贷款着呢,这末作可能是违法的.
1 million house to less than 700k (don't know how much lower), if I were the owner, walk away, destroy the house,
never never do that, cause bank has the right to sue you and get the loss back... If they win, the money will be taken out of your every paycheck
that's it theorically true but you will never see a drop in proprety tax. because tax is depending on how much the gov need to spend. it's always going up.
that's absolutely true, the house value is lower, but county can always raise the rate to keep the property taxes at the same level.
Suppose that owner is a responsible person, (he already put at least 40% equity in this house), he worked hard and is well paid, pay huge tax every year, he got laid off because he is a H1B holder, he was teased by US governor first labor card, RIR, BEC, now he's old and was kicked off, people said you are not a responsible person you should not buy a house with any loan, pay all cash or you don't buy. What he should say, yes, I should contribute all my life but no right to enjoy anything, I'm not a NIU
the thing is, when he decided to put down 40% to buy the house, when he had the job, he should save at least some cash in case something bad happen. If he can't afford the house for at least a year without any income, he should not buy it at the first place...
that's absolutely true, the house value is lower, but county can always raise the rate to keep the property taxes at the same level.
I have $400 lower property tax for 09 because the county appraised my house and lower the value a little. And my friend live in long island get more deduction. Usually county appraisal is a little bit higher than your closing price.
[此贴子已经被作者于2009-2-11 12:01:29编辑过]
never never do that, cause bank has the right to sue you and get the loss back... If they win, the money will be taken out of your every paycheck
people do that usually brankcrup la bah? no more responsibility after that... that's my guess
the thing is, when he decided to put down 40% to buy the house, when he had the job, he should save at least some cash in case something bad happen. If he can't afford the house for at least a year without any income, he should not buy it at the first place...
People never need to put 40% equity in the house, no bank required, and that's why I feel sympathetic of the owner, he can cash out anytime before the crash, but he choose to leave in the house, be the only loser, not fair. At least, bank should also share some loss. Actually for irresponsible people like 0 downpay guys, bank take all loss. That's what I feel unfair for this system.
People never need to put 40% equity in the house, no bank required, and that's why I feel sympathetic of the owner, he can cash out anytime before the crash, but he choose to leave in the house, be the only loser, not fair. At least, bank should also share some loss. Actually for irresponsible people like 0 downpay guys, bank take all loss. That's what I feel unfair for this system.
I know that this house's owner didn't put down 40%, it is a short sale ..., so the morgage company is suffering. Since the government is printing money to help these bad loans, we, taxpayers are the person who actually paying for it...
BTW, 我发现，如果买新建的房子，和BUILDER还价，更容易谈下来了。看了WEST NY的一个CONDO, LISTING 687k, 有水景+CITY VIEW, 当场SALES就和我说575就卖给我。VALLEYVIEW AT MONTVALE, 60几万的LIST在54万，还一直说NEGOTIABLE,
既然看JERSEY的MM那么多，如果我们一起去买，会不会折扣更大。
哈哈，团购吗
I know that this house's owner didn't put down 40%, it is a short sale ..., so the morgage company is suffering. Since the government is printing money to help these bad loans, we, taxpayers are the person who actually paying for it...
I have a question, if it's short sale, is that owner cannot have any saving account in US?
I have a question, if it's short sale, is that owner cannot have any saving account in US?
No, even if it is a foreclosure, the morgage company has no right to take out a penny from your saving account, which means if you have zero money down and at the same time you have a million in your banking account, you can always walk away from your property with losing anything... the bad side is, you have no credit and it will be hard for you to get a loan for a while...
That's totally different from China ...
No, even if it is a foreclosure, the morgage company has no right to take out a penny from your saving account, which means if you have zero money down and at the same time you have a million in your banking account, you can always walk away from your property with losing anything... the bad side is, you have no credit and it will be hard for you to get a loan for a while...
That's totally different from China ...
Thanks a lot! You are really a knowledgeable girl!!!
No, even if it is a foreclosure, the morgage company has no right to take out a penny from your saving account, which means if you have zero money down and at the same time you have a million in your banking account, you can always walk away from your property with losing anything... the bad side is, you have no credit and it will be hard for you to get a loan for a while...
That's totally different from China ...
关键是8年的信用历史记录，8年后就重新洗牌了。所以那么多人就这么foreclosre了，可中国人比老美在乎这个多多了应该不会轻易这么做吧~不少老美信用历史本来就一塌糊涂的，这种人应该都是贷不到款没房子住的，可是泡沫那会儿不是要人人有屋住的架势么....
关键是8年的信用历史记录，8年后就重新洗牌了。所以那么多人就这么foreclosre了，可中国人比老美在乎这个多多了应该不会轻易这么做吧~不少老美信用历史本来就一塌糊涂的，这种人应该都是贷不到款没房子住的，可是泡沫那会儿不是要人人有屋住的架势么....
可叹这么老实的中国人, 美国人连个身份都不给他们........
I know that this house's owner didn't put down 40%, it is a short sale ..., so the morgage company is suffering. Since the government is printing money to help these bad loans, we, taxpayers are the person who actually paying for it...
我猜那卖主也不会放那么多, 不过看那价格跌的, 估计贷款比卖价都要高不少. 政府救银行对纽约的人来说也算好事了, 这里头都是相辅相联. 希望经济能好起来, 大家多发点钞票, 政府也多收点税.
How about those bonus paid 06, 07, at least some should go to the real estate.
yeah, they went to the down payment for a second house in the Hamptons:-p
No, even if it is a foreclosure, the morgage company has no right to take out a penny from your saving account, which means if you have zero money down and at the same time you have a million in your banking account, you can always walk away from your property with losing anything... the bad side is, you have no credit and it will be hard for you to get a loan for a while...
That's totally different from China ...
It's only true in certain(most) cases. I just learned that in CA, if you refinance, your new mortgage is typically recourse. A recourse loan means that the bank can go after your own fortune. So one needs to see in which state he/her is located in (judicial or non judicial states) and ask for an attorney's opinion on this issue.
that's it theorically true but you will never see a drop in proprety tax. because tax is depending on how much the gov need to spend. it's always going up.
地税当然会随着房子VALUE下降而降低，前两天我刚收到我们TOWN发的下季度地税的账单，平均一个月少了快$100.
看过了，的确有的，整个2楼就是一个MASTER SUITE，卧式超大，WALKIN CLOSET，有人家一个卧式那么大，还有窗户。MASTER BATHROOM都是巨大的那种。
除了三个BEDROOM，人家还有LIBRARY，所以真的很大。
这个简直是我的dream house啊。大WIC，独立library。不敢相信降价到这种程度了。
yeah, they went to the down payment for a second house in the Hamptons:-p
这么多人买房子啊, 我身边认识的人倒几乎没有买的, 中国人很多没结婚, 老外就更别提了, 等着丈母娘给买呢.
我也想买，不过想再等。我在NJ NORTH，想看看madison，觉得livingston中国人太多了，小孩上学累。有人住在madison的么？
如果小孩小时候在好学区累点, 然后高中换到差的做鸡头好吗?
我在nj中部
that's absolutely true, the house value is lower, but county can always raise the rate to keep the property taxes at the same level.
MM的头像是咂嘴怪嘛？
It's time to buy house! I'm looking for single family house in Jersey, LG and I both work in the city. We're looking for Maplewood, Livingston, Bergenfield, Teaneck. Any suggestions?
most people say house price will keep falling another 20-30% in 2009(Metro area). the bottom will be in 2010-2012. after 2012, the house will appreciate a little bit, around 3-4%,just beat the inflation rate.
why you pick maplewood, bergenfield and teaneck? as far as i know, these towns are not in the decent area
我的agent让我看，比我贷款额度高5万的房子，她说房子还能跌，让我们不要着急买
我在nj中部
mm的agent很好啊。一般都是希望你赶紧成交的。
先在的建筑设计公司，对半开人的多得很。
很多建筑项目都被hold乐。开发商从银行贷款不到钱。
再不把房子卖出去。
估计都要死悄悄了。
我们以前合作的一个developer，居然该行作回厨师了。
汗！！
most people say house price will keep falling another 20-30% in 2009(Metro area). the bottom will be in 2010-2012. after 2012, the house will appreciate a little bit, around 3-4%,just beat the inflation rate.
why you pick maplewood, bergenfield and teaneck? as far as i know, these towns are not in the decent area
Really?????? mm has any good ideas? we work in the city, so we try to look at nearby areas....
看来这幢房子真的是合算哈。。。。已经不再listing上了。。
That one is sold? But you said that area is not very clean or has some other disadvantage. Livingston's price looks still very high.
[此贴子已经被作者于2009-2-19 9:32:13编辑过]
That one is sold? But you said that area is not very clean or has some other disadvantage. Livingston's price looks still very high.
[此贴子已经被作者于2009-2-19 9:32:13编辑过]
under contract now. it is really a good deal, from 1million to 699K!!!! the fair value for this unit in this market is 750K i guess
大家不要急啊，好房子会继续出的，价格会继续跌的。现在是割肉价，很快就会有跳楼价拉。
mm好逗阿
不过，奥昨天出了新政策，不知道对房市有多大影响，何时才会产生作用
大家不要急啊，好房子会继续出的，价格会继续跌的。现在是割肉价，很快就会有跳楼价拉。
哈哈，这个我爱听。我现在不跳房坑啦，回头8给你听
/
mm好逗阿
不过，奥昨天出了新政策，不知道对房市有多大影响，何时才会产生作用
I think it is a stupid policy, simply awarding those home owners who should not get a house at the first place. Those people are not sustainable. Saving them will not save the market.
IMHO, the 15000 credit to buyers are the right way to move the market. In the end, it is the buyers who move the market, not those deliquent home owners.
US is no longer a free market.
I think it is a stupid policy, simply awarding those home owners who should not get a house at the first place. Those people are not sustainable. Saving them will not save the market.
IMHO, the 15000 credit to buyers are the right way to move the market. In the end, it is the buyers who move the market, not those deliquent home owners.
US is no longer a free market.
没错。大师真的觉得自己是救世主。上台以来一件好事都没干。