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Greater Los Angeles Real Estate CA 洛杉磯地區房地產 Janice Jung
JANICE JUNG, REALTOR Greater Los Angeles 大洛杉磯房地產(626) 698-2718 www.JaniceJungHomes.com
JANICE JUNG, REALTOR Greater Los Angeles 大洛杉磯房地產(626) 698-2718 www.JaniceJungHomes.com
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Greater Los Angeles Real Estate CA 洛杉磯地區房地產 Janice Jung's posts

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HOME PRICE REPORT by CoreLogic US 10-06-2015 房價報告
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摘要:全美房價自2014年8月至2015年8月上升6.9%,2015年7月至2015年8月上升1.2%. CoreLogic HPI 預測2015年8月至2016年8月全美房價將上升4.3%. (註:CoreLogic 為全美房地產專業人士提供房地產專業資訊). Janice Jung (626) 698-2718
Email: janicejungrealtor@live.com,
Website: http://www.janicejunghomes.com/
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Quote, "According to the CoreLogic HPI, home prices nationwide, including distressed* sales, increased by 6.9 percent in August 2015 compared with August 2014 and increased by 1.2 percent in August 2015 compared with July 2015.**
The CoreLogic HPI Forecast indicates that home prices are projected to increase by 4.3*** percent on a year-over-year basis from August 2015 to August 2016 and remain unchanged month over month from August 2015 to September 2015." 
(原文見http://www.corelogic.com/about-us/news/corelogic-us-home-price-report-shows-home-prices-up-almost-7-percent-year-over-year.aspx)
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2015-10-11
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Eastvale CA Home SOLD by Janice Jung
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歡迎您與我聯繫 Janice Jung (626) 698-2718 南加州大洛杉磯專業房地產經紀, 誠信服務竒諾崗,可樂那,東谷 (伊市),特美克拉,默瑞亞塔,艾斯諾湖,約巴林達,安那罕山莊及週邊地區。
*Email: janicejungrealtor@live.com
*Website: http://www.janicejunghomes.com/
*Website: https://sites.google.com/site/realestatechinohillsca/
*Website: https://sites.google.com/site/buytemeculahomes/
You are welcome to contact me Janice Jung (626) 698-2718 Realtor of Greater Los Angeles, service Chino Hills, Corona, Eastvale, Temecula, Murrieta, Lake Elsinore, Yorba Linda, Anaheim Hills and surrounding areas.
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Corona CA Home SOLD by Janice Jung
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歡迎您與我聯繫 Janice Jung (626) 698-2718 南加州大洛杉磯專業房地產經紀, 誠信服務竒諾崗,可樂那,東谷 (伊市),特美克拉,默瑞亞塔,艾斯諾湖,約巴林達,安那罕山莊及週邊地區。
*Email: janicejungrealtor@live.com
*Website: http://www.janicejunghomes.com/
*Website: https://sites.google.com/site/realestatechinohillsca/
*Website: https://sites.google.com/site/buytemeculahomes/
You are welcome to contact me Janice Jung (626) 698-2718 Realtor of Greater Los Angeles, service Chino Hills, Corona, Eastvale, Temecula, Murrieta, Lake Elsinore, Yorba Linda, Anaheim Hills and surrounding areas.
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CHINO HILLS 竒諾崗城市巡禮- 房地產投資 (大洛杉磯地區南加州)
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*歡迎與我聯繫 Janice Jung 626-698-2718 專業房地產經紀
*Email: janicejungrealtor@live.com
*Website: https://sites.google.com/site/realestatechinohillsca/
*Website: http://www.janicejunghomes.com/
竒诺岗以高生活品质及田园气息著名,是享有"公园之城"美名的城市。竒诺岗目前是南加州首要的都市计画城市,居住环境良好,街道整齐宽敞,邻近繁华的购物中心;是美西排名十大最适合生活的城市之一。大华超级市场竒诺岗分店巳在此经营多年,形成华人商圈,方便这里众多的华裔居民。 竒诺岗的居民享有3000英亩公有开放空间,40座市立公园,一座州立公园及5栋社区建築。竒诺岗拥有丰富的休閒环境,绵延的徒步小径,长达60英哩的健行单车步道;景色优美占地8.2英亩的 English Springs Park 吸引外市居民慕名而来。2012年,竒诺岗被CNN/ Money 网站评选为"100最佳居住地"中的第34名。竒诺岗符合CNN/ Money 网站的评选条件,就是具备美国家庭最在乎的一些要素 - 强劲的工作机会,好学校,低犯罪率,高品质健康照顾,休閒去处多,及眞正的社区感。竒诺岗的教育名列前茅,竒诺岗学区的学校以高API分数在县内居领先地位:
2011年有7所竒诺岗小学API分数在900分以上。
2011年有3所竒诺岗小学及初中API分数在800分以上。
2011年2所竒诺岗高中API分数都在800分以上。

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[TEMECULA CITY TOUR 南加州房地產投資首選]
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*歡迎與我聯繫 Janice Jung 626-698-2718 專業房地產經紀
*Email: janicejungrealtor@live.com
*Website: https://sites.google.com/site/buytemeculahomes/
*Website: http://www.janicejunghomes.com/
Temecula 特美克拉是南加州著名的酒莊观光城市,号称南加州的 Napa 拿帕;有许多美丽的葡萄园,高尔夫球场,规划完善环境优美的新社区 (大多建於 2000 年以後),大型公园绿地及优良学区。出名的 South Coast 南海岸酒莊休閒中心,Redhawk 红鹰高尔夫球场,Temeku Hills 特美库岗高尔夫球场, Pachanga 帕青嘎赌场大酒店,  Temecula老城区, Promenade 波门内第百货公司购物中心, 及热汽球葡萄园巡礼, 吸引无数房地产投资买家;使 Temecula成为 Temecula Valley 特美谷最闪亮耀眼的一颗明珠。众多 San Diego 圣地牙哥及 Riverside 河滨市的上班族选择居住在 Temecula,因著它深具吸引力的房价,高品质的居家环境及仅30-40分钟的车程。Temecula 被评选为 "Playful City USA 2013",  它的居民享有40座公园,315 英亩景观区及设施,22 英哩休閒步道, 97 英哩单车道,超过7000 英亩的山边保护区及开放空间,一亇滑板公园,3亇公共游泳池,27亇网球场,两亇社区活动娱乐中心,一个银髮族活动中心,及 2600平方英呎社区花园。(最著名的几处公园是北区的 Harveston Lake 哈维斯顿湖,中区的 Duck Pond 野鸭池塘,南区的大型 Sports Park 运动公园)。

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[ 南加州房地產投資首選 - CITY OF TEMECULA ]
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City of Temecula 是南加州著名的酒莊觀光城市,號稱南加州的 Napa;有許多美麗的葡萄園,高爾夫球場,規劃完善環境優美的新社區 (大多建於2000年以後),公園綠地及好學區。出名的 South Coast 酒莊休閒中心,Redhawk 高爾夫球場,Temeku Hills 高爾夫球場, Pachanga 賭場大酒店, Temecula 老城區, Promenade 百貨公司購物中心, 及熱汽球葡萄園巡禮, 吸引無數房地產投資買家;使 City of Temecula 成為 Temecula Valley 最閃亮耀眼的一顆明珠。眾多 San Diego 及 Riverside 的上班族選擇居住在 City of Temecula,因著它深具吸引力的房價,居家環境生活品質及僅30-40分鐘的車程。
*請電 Janice Jung 626-698-2718 專業房地產經紀 Local Realtor.
*Email: janicejungrealtor@live.com
*Website: https://sites.google.com/site/buytemeculahomes/
*Website: http://www.janicejunghomes.com/
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2015-04-10
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“夫妻共有财产”制 与 “产权等额共有” 在税法层面的利弊 - 马京生 法律专栏
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“夫妻共有财产”制 (COMMUNITY PROPERTY) 和“产权等额共有”制 (JOINT TENANCY) 是大多数夫妻家庭最常选用的产权形式。这二种产权形式在生前的转让处分、以及死亡后的继承分配方面是各有利弊。但是除此之外,美国的税法对这二种产权持有的形式在遗产继承时,也有不同的税赋待遇。因此,夫妻在选择何种产权方式时,也要考虑到今后在税赋方面的得失。
美国税法规定,在继承死者遗产时,无论该顼遗产最初的成本价值是多少,其新的纳税价值基数[今后缴纳资本利得税(CAPITAL GAIN TAX)的成本基数]都自动调整到死者死亡时的市场价值。这就是在税法上所讲的“升级”(STEP-UP)原则。因此,如果死者生前花$100,000元购买房产,在死亡时市价为$300,000元,该房产的成本价就自动调整为$300,000元。如果继承人今后将该房产出售,获得$350,000元,则他要缴纳资本利得税的部份只有$50,000元,另外的$300,000元都是成本,不需缴税。
因此,在“产权等额共有”制(JOINT TENANCY)下,死者的50%产权就自动调整到当时的市场价值标准,而生存配偶一方的50%产权则还是在原始的价位上。例如,如果夫妻双方购买房产时是$200,000元,先生死亡时该房产的市值为$400,000万,则先生那一半产权的成本基数就调整为$200,000万,而太太的成本基数仍然为$100,000万。因为太太自动继承了先生的那一半产权,所以该房产的成本基数就变成$300,000万。如果太太卖掉房产,获得 $400,000万,其中$100,000万就可能要缴资本利得税(当然,出售房地产的利润中有$250,000万的免税额。所以如果获得不超过$250,000万,仍不必缴税。这里只是举例说明而已。)
但是,美国税法也规定,如果死者的房产是“夫妻共有财产”制(COMMUNITY PROPERTY),则不但死者的 50%产权的成本基数可以调整到市价标准,其生存配偶的50%产权也同时调整到市价标准。因此,在上面的例子中,如果夫妻是用“夫妻共有财产”制(COMMUNITY PROPERTY)拥有房产的话,先生和太太的成本基数同时调整为$200,000万,整个房产的成本基数就成为$400,000万。如果太太出售该房产获得$400,000万,就不用缴任何资本利得税。这是“夫妻共有财产”制(COMMUNITY PROPERTY)比“产权等额共有”制(JOINT TENANCY)在税赋方面要好一些的优势。
[本文由马京生律师提供,办公室电话:(626)441-0558,地址:9420 Telstar Ave., #128,El Monte,CA91731,(侨二中心对面)。]
(Info source: 侨报网2014.5.14)
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<<10個您需要知道的買房出支>>
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如果您是首次購屋者,可能在知道您必須花費額外數千元在買房出支後感到頭昏眼花,也對這些額外費用感到有點困惑。
瞭解您必須支付出的以下十項買房額外費用,可以幫助您在付錢時比較有心理準備。
1.誠意金 (Earnest money)
為了證明您是有誠意的想要購買房屋,必須支付1%至2%的總購買價為誠意金。誠意金的大小是會根據市場因素而改變,如果您所在地區的房屋買賣市場很熱門,賣家可以要求比較多的誠意金,相對的如果市場冷卻,賣方可能只需要非常小額的誠意金。另外各州政府也有不同的誠意金金額規定管理。
2.託管賬戶 (Escrow account)
託管賬戶基本上是一種貸款公司確保您有足夠的資金來支付相關稅費和貸款保險。您需要支付的金額依照地區、貸款公司、貸款類型而異,可能包括了數個月至一年的費用。託管賬戶通常是在訂金低於20%以下所需,同時也是FHA首次購屋貸款強制必須要有的,但VA退伍軍官貸款並不需要。
3.貸款手續費 (Origination)
手續費通常金額頗高,這是必須支付給貸款經紀人或是貸款公司的手續費,包括承銷、始發和處理代理價錢。手續費通常只是貸款總金額的一小部分,通常為總金額的1%,請記得找貸款時還是得貨比三家。
4.房屋檢驗費用 (Inspection)
您要確保新家沒有任何損毀或是結構上的問題,例如漏水、害蟲、發霉等問題,就必須支付房屋檢驗費。通常房屋檢驗費大約介於$300至$500元左右,房屋檢驗可偵測出結構問題,淹水可能性,和其他重大問題。害蟲檢驗費用大約為$150左右,一般檢驗的重大害蟲為白蟻。
5. 律師費用 (Attorney)
少數地區在房屋成交時必須有律師在場,例如喬治亞州,大部份地區則不需要。如果您的所在地需要有律師協助成交,您就得支付律師費用。
6.信用檢查 (Credit check)
雖然網路上有免費的信用檢查,但一般貸款公司都不會接受這種免費報告,貸款公司所需信用檢查大約為30元。
7.額外保險 (Extra insurance)
如果您住在天災較多的地區,可能需要購買額外的保險,例如洪水、地震險等等。
8.估價費用 (Appraisal)
您的貸款公司一定要在知道房產公平價值後才會願意貸款給您,房地產估價費用大約為200至400元左右,以地區和房屋大小各有所異。
9.產權過戶費用 (Title Company)
您必須支付產權過戶費用給過戶公司,確保房產所有權是明確無誤的,通常貸款公司會推薦過戶公司給您,但您也可自己找尋合作公司。
10.土地勘測費用 (Survey)
土地勘測並不是必須的,但是貸款公司可能會要求您使用專業土地偵測,來確認您的地產大小界線,價格大約100元左右。
記住:您有議價能力,貨比三家,多做功課瞭解您的地區的平均費用,如果您對價錢不滿意,可議價,也可尋找別家公司服務。
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10 Home-Buying Costs You Need to Know About
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If you’re a first-time home buyer, you might get a little queasy when the last line of your good-faith estimate comes in at several thousand dollars. And after the color returns to your face, you might also be a little more than perplexed by some of those fees.
Knowing what you’re paying for—like these 10 common costs—can ease that check-writing pain.
1. Earnest money
To prove you’re “earnest” in your purchase commitment, expect to plunk down 1% to 2% of the total purchase price as an earnest money deposit. This amount can change depending on market factors. If demand in your area is high, a seller could expect a larger deposit. If the market is cold, a seller could be happy with less than 1%.
Other governing factors like state limitations and rules can cap how much earnest money a seller can ask for.
2. Escrow account
An escrow account is basically a way for your mortgage company to make sure you have enough money to cover related taxes and mortgage insurance. The amount you need to pay varies by location, lender, and loan type. It could cover costs for a few months to a year.
Escrow accounts are common for loans with less than a 20% down payment and mandatory for FHA loans, but it’s not required for VA loans.
3. Origination
The origination fee is a hefty one. It’s the price you pay the loan officer or broker for completing the loan, and it includes underwriting, originating, and processing costs.
The origination fee is a small percentage of the total loan. A typical origination fee is about 1%, but it can vary. Use your good-faith estimate to shop around.
4. Inspection
You want to be assured your new home is structurally sound and free of surprises such as leaks or pests living in the walls. Those assurances come with a price.
Home inspection: This is critical for home buyers. A good inspector will be able to notify you of structural problems, flooding issues, and other potentially serious problems. Expect to pay $300 to $500 for a home inspection, although cost varies by location.
Radon inspection: An EPA-recommended step, this inspection will determine whether your prospective home has elevated levels of the cancer-causing agent radon. A professional radon inspection can cost several hundred dollars.
Pest inspections: Roaches are one thing. Termites are a whole different story. Expect to pay up to $150 for a termite inspection.
5. Attorney
Some states, such as Georgia, require an attorney to be present at closing. In some other areas, this is optional. If you use a lawyer, expect to cover the costs, which vary by area and lawyer.
It’s typical for mortgage companies to have a lawyer on their end, although they should cover the bill.
6. Credit check
Just because you can get your credit report for free doesn’t mean your lender can (and it will actually pull all three). You have to reimburse the lender, usually around $30.
7. Extra insurance
If you live in a hazard-prone area, you might need to purchase extra insurance, like for flood.
8. Appraisal
Your lender won’t loan you money for a home without knowing what its fair market value is. An appraisal will cost $200 to $400, depending on location and property size.
9. Title company
You pay this to the title company to make sure the property’s title is free and clear. Your lender will recommend a title company, but you can also shop around for one.
10. Survey
It’s not required in all instances, but your lender may require a professional surveyor to determine exactly where your property lines are drawn. Prices vary widely, but expect to pay at least $100.
Remember: You have bargaining power. Shop around to get a feel for what rates and fees apply in your area. If you aren’t sure what a lender is charging, ask for an explanation—the charge might not be set in stone. If you’re unhappy with a charge, negotiate.
(Info Source: Realtor.com & wordpress.com)
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最近幾年因為婴兒潮退休人數大增,REVERSE MORTGAGE的使用者也大增;以下是 National Reverse Mortgage Lenders Association (reversemortgage.org) 提供的重要資訉。
>> REDLIGHT <<
To obtain a Reverse Mortgage on a home, that home must be your PRIMARY RESIDENCE, which means YOU MUST RESIDE THERE 183 DAYS OR MORE PER YEAR. After you obtain a reverse mortgage, you must confirm your residency by signing an ANNUAL OCCUPANCY CERTIFICATE that will be provided to you by your Servicer. If you must leave your home for an extended period, due to work or health or for some other reason, you should notify your Servicer and coordinate winterization and other preservation issues. If you are out of the home for twelve consecutive months, your loan could be in default. If, for any reason, you rent the property to someone else, it precludes the property from being your primary residence and the loan is in default. If the loan is in default, your Servicer will request HUD approval that the loan become due and payable.
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想了解您的房產現在市值多少?請登入 http://www.JaniceJungHomes.com/ 並按網頁上方的 "MARKET & VALUE", 鍵入您的房產完整地址之後, 再按地址右側的 "Get Trend Report"; 您的房產市值報告就會全套呈現, 包括您房產附近地區最近的成交價。
WHAT IS YOUR HOME/ PROPERTY WORTH? FIND OUT FOR FREE 
by visiting http://www.JaniceJungHomes.com/, click "MARKET & VALUE", and key in complete address of your home/ property, then click "Get Trend Report". The Estimate Market Value Report for your home/ property appears with Recently Sold homes/ properties in your area, and much more....
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