tag:blogger.com,1999:blog-1874862361294903582024-03-13T22:56:23.192-07:00RossmeryMega-guiaRoss Meryhttp://www.blogger.com/profile/18049915591192901043noreply@blogger.comBlogger16125tag:blogger.com,1999:blog-187486236129490358.post-51464442060155410462018-06-05T05:50:00.001-07:002018-06-05T05:50:06.161-07:00Queens Homes NY | 4 Reasons Why Summer Is a Great Time to Buy a Home!<iframe allowfullscreen="" frameborder="0" height="270" src="https://www.youtube.com/embed/NH-2OwL1OU8" width="480"></iframe>Ross Meryhttp://www.blogger.com/profile/18049915591192901043noreply@blogger.com1tag:blogger.com,1999:blog-187486236129490358.post-82030563799975973322018-05-04T04:00:00.000-07:002018-05-04T04:00:05.259-07:00Comprando casa en Queens NY | Las ventas de las casas existentes crecen a pesar del inventario bajo <div dir="ltr" style="text-align: left;" trbidi="on">
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Las ventas de las casas existentes crecen a pesar del inventario bajo [infografía]</h1>
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<span class="cat-links" style="box-sizing: border-box; margin-right: 10px;"><a href="http://www.simplifyingthemarket.com/es/category/buyers/first-time-home-buyers/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="background-color: transparent; box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">First Time Home Buyers</a>, <a href="http://www.simplifyingthemarket.com/es/category/buyers/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="background-color: transparent; box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">For Buyers</a>, <a href="http://www.simplifyingthemarket.com/es/category/sellers/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="background-color: transparent; box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">For Sellers</a>,<a href="http://www.simplifyingthemarket.com/es/category/housing-market-updates/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="background-color: transparent; box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">Housing Market Updates</a>, <a href="http://www.simplifyingthemarket.com/es/category/infographics/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="background-color: transparent; box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">Infographics</a>, <a href="http://www.simplifyingthemarket.com/es/category/buyers/move-up-buyers/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="background-color: transparent; box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">Move-Up Buyers</a></span></div>
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<span style="box-sizing: border-box;">Algunos aspectos destacados:</span></h3>
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<li style="box-sizing: border-box;">De acuerdo con el último <a href="https://www.nar.realtor/newsroom/existing-home-sales-climb-11-percent-in-march" style="background-color: transparent; box-sizing: border-box; color: #00aeef; text-decoration-line: none; transition: all 0.3s;" target="_blank"><em style="box-sizing: border-box;">Informe de ventas de casas existentes</em></a> de la <em style="box-sizing: border-box;">Asociación nacional de Realtors</em>, las ventas aumentaron 1.1 % en marzo a un ritmo anual de 5.60 millones.</li>
<li style="box-sizing: border-box;">Este es el ritmo más fuerte desde noviembre.</li>
<li style="box-sizing: border-box;">Los niveles del inventario cayeron año tras año por 34° meses consecutivos y ahora están 7.2 % por debajo de marzo 2017, representando una oferta de 3.6 meses.</li>
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Ross Meryhttp://www.blogger.com/profile/18049915591192901043noreply@blogger.com0tag:blogger.com,1999:blog-187486236129490358.post-83326640463592017492018-05-03T04:00:00.000-07:002018-05-03T04:00:13.213-07:00Brooklyn, NY Real Estate | “Sin una guerra o un desplome del mercado de valores…”<div dir="ltr" style="text-align: left;" trbidi="on">
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“Sin una guerra o un desplome del mercado de valores…”</h1>
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<span class="cat-links" style="box-sizing: border-box; margin-right: 10px;"><a href="http://www.simplifyingthemarket.com/es/category/buyers/first-time-home-buyers/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="background-color: transparent; box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">First Time Home Buyers</a>, <a href="http://www.simplifyingthemarket.com/es/category/buyers/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="background-color: transparent; box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">For Buyers</a>, <a href="http://www.simplifyingthemarket.com/es/category/interest-rates/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="background-color: transparent; box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">Interest Rates</a>, <a href="http://www.simplifyingthemarket.com/es/category/buyers/move-up-buyers/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="background-color: transparent; box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">Move-Up Buyers</a>, <a href="http://www.simplifyingthemarket.com/es/category/pricing/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="background-color: transparent; box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">Pricing</a></span></div>
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<span style="font-family: "Open Sans";">Este mes, </span><em style="box-sizing: border-box; font-family: "Open Sans";">Arch Mortgage Insurance</em><span style="font-family: "Open Sans";"> publicó su </span><a href="https://mi.archcapgroup.com/Portals/1/Documents/hammr/HaMMR_Spring2018.pdf" style="box-sizing: border-box; color: #00aeef; font-family: "Open Sans"; text-decoration-line: none; transition: all 0.3s;" target="_blank"><em style="box-sizing: border-box;">Análisis del mercado de la vivienda y el mercado hipotecario</em></a><span style="font-family: "Open Sans";">. </span><span style="font-family: "Open Sans";">El informe explica que un aumento de las tasas hipotecarias y/o los precios de las viviendas repercutiría en los pagos mensuales de esta manera:</span></div>
</header><div class="entry-content" style="box-sizing: border-box; font-family: "Open Sans"; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px !important;">
<div class="essb_links essb_displayed_float essb_share essb_template_flat-retina essb_1548104549 print-no" data-essb-button-style="icon_hover" data-essb-counter-pos="" data-essb-instance="1548104549" data-essb-position="float" data-essb-postid="37401" data-essb-template="flat-retina" data-essb-twitter-url="http://www.simplifyingthemarket.com/es/2018/04/26/short-of-a-war-or-stock-market-crash/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" data-essb-url="http://www.simplifyingthemarket.com/es/2018/04/26/short-of-a-war-or-stock-market-crash/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" id="essb_displayed_float_1548104549" style="box-sizing: border-box; clear: both; margin: 1em 0px; width: 517px; word-wrap: normal !important;">
<ul class="essb_links_list essb_hide_name" style="-webkit-font-smoothing: antialiased; background-image: none; border: 0px; box-sizing: content-box; font-family: "Open Sans", helvetica, arial, sans-serif; line-height: 1em; list-style: none !important; margin: 0px !important; outline: 0px; padding: 0px !important; transform: translate3d(0px, 0px, 0px);">
<li class="essb_item essb_link_linkedin nolightbox" style="-webkit-font-smoothing: antialiased; background-image: none; border: 0px; box-sizing: content-box; display: inline-block; line-height: 1em; list-style: none !important; margin: 0px; outline: 0px; padding: 0px; transform: translate3d(0px, 0px, 0px); vertical-align: middle;"><span class="essb_network_name" style="-webkit-font-smoothing: antialiased; background-clip: padding-box; background-color: rgb(18, 123, 182) !important; background-image: none; border-radius: 3px; border: 0px; box-shadow: rgba(0, 0, 0, 0.2) 0px -4px 0px inset; box-sizing: content-box; color: rgb(255, 255, 255) !important; display: inline-block; line-height: 1em; margin: 0px; max-width: 0px; outline: 0px; overflow: hidden; padding: 0px; text-decoration-line: none; transform: translate3d(0px, 0px, 0px); transition: all 0.2s ease-in-out; vertical-align: middle; white-space: nowrap !important;"><span style="background-color: white; color: #6b6b6b; font-family: "Open Sans";">Este mes, </span><em style="background-color: white; box-sizing: border-box; color: #6b6b6b; font-family: "Open Sans";">Arch Mortgage Insurance</em><span style="background-color: white; color: #6b6b6b; font-family: "Open Sans";"> publicó su </span><a href="https://mi.archcapgroup.com/Portals/1/Documents/hammr/HaMMR_Spring2018.pdf" style="background-color: transparent; box-sizing: border-box; color: #00aeef; font-family: "Open Sans"; text-decoration-line: none; transition: all 0.3s;" target="_blank"><em style="box-sizing: border-box;">Análisis del mercado de la vivienda y el mercado hipotecario</em></a><span style="background-color: white; color: #6b6b6b; font-family: "Open Sans";">. El informe explica que un aumento de las tasas hipotecarias y/o los precios de las viviendas repercutiría en los pagos mensuales de esta manera:</span></span></li>
</ul>
</div>
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<span id="more-37401" style="box-sizing: border-box;"></span></div>
<ul style="box-sizing: border-box; margin-bottom: 10px; margin-top: 0px;">
<li style="box-sizing: border-box;">Un incremento del 5 % en los precios de las viviendas subirá los pagos aproximadamente 5 %</li>
<li style="box-sizing: border-box;">Un aumento del 1 % en las tasas de interés aumentará los pagos aproximadamente 13 o 14 %</li>
</ul>
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Eso plantea la pregunta…</div>
<h4 style="box-sizing: border-box; color: #00aeef; font-family: "Roboto Slab", serif; font-size: 16px; line-height: 24px; margin-bottom: 10px; margin-top: 10px;">
<span style="box-sizing: border-box;">¿Qué pasa si juntos las tasas y los precios aumentan como se predice?</span></h4>
<div style="box-sizing: border-box; margin-bottom: 10px;">
El informe reveló:</div>
<blockquote style="border-bottom: none; border-left: 5px solid rgb(238, 238, 238); border-right: none; border-top: none; box-sizing: border-box; font-size: 17.5px; margin: 0px 0px 20px; padding: 10px 20px;">
<div style="box-sizing: border-box;">
<em style="box-sizing: border-box;"> “Si las tasas de inter</em><em style="box-sizing: border-box;">é</em><em style="box-sizing: border-box;">s y los precios de las viviendas aumentan para finales del año aproximadamente como la mayoría de los analistas están pronosticando, los pagos mensuales de la hipoteca de una compra de vivienda</em> <em style="box-sizing: border-box;">nueva podrían aumentar otro 10-15 %. Esto haría de 2018 uno de los peores años de deterioro en la asequibilidad durante los últimos 25 años”. </em></div>
</blockquote>
<div style="box-sizing: border-box; margin-bottom: 10px;">
<em style="box-sizing: border-box;">El aumento porcentual </em>en los pagos hipotecarios repercutiría negativamente en la asequibilidad. Pero ¿Cómo se compararía la asequibilidad con las normas históricas?</div>
<div style="box-sizing: border-box; margin-bottom: 10px;">
Según el informe:</div>
<blockquote style="border-bottom: none; border-left: 5px solid rgb(238, 238, 238); border-right: none; border-top: none; box-sizing: border-box; font-size: 17.5px; margin: 0px 0px 20px; padding: 10px 20px;">
<div style="box-sizing: border-box;">
<em style="box-sizing: border-box;"> “Para los Estados Unidos en general, incluso si la asequibilidad se deteriorara según lo previsto, la asequibilidad seguiría siendo razonable por las normas históricas. Esto se debe a que el porcentaje de los ingresos antes de los impuestos necesarios para comprar una casa típica en 2019 todavía serian similares al promedio histórico durante 1987-2004. Por lo tanto, al menos a nivel nacional, incluso con tasas y precios de la vivienda altos, la asequibilidad solo volverá a las normas históricas”.</em></div>
</blockquote>
<div style="box-sizing: border-box; margin-bottom: 10px;">
<span style="box-sizing: border-box; font-weight: 700;">¿Que en cuanto a los precios de las viviendas?</span></div>
<div style="box-sizing: border-box; margin-bottom: 10px;">
Una disminución de la asequibilidad causará cierta preocupación por el valor de las casas. ¿No afectará negativamente el aumento de los pagos al mercado de la vivienda? El informe abordó esta pregunta:</div>
<blockquote style="border-bottom: none; border-left: 5px solid rgb(238, 238, 238); border-right: none; border-top: none; box-sizing: border-box; font-size: 17.5px; margin: 0px 0px 20px; padding: 10px 20px;">
<div style="box-sizing: border-box;">
<em style="box-sizing: border-box;"> “Incluso los aumentos recientes en la tasa de inter</em><em style="box-sizing: border-box;">é</em><em style="box-sizing: border-box;">s y los impuestos m</em><em style="box-sizing: border-box;">á</em><em style="box-sizing: border-box;">s altos para algunos asalariados de ingresos altos no frenaron el mercado, como muchos temían… Sin una guerra o un desplome del mercado de valores, el mercado de la vivienda podría seguir sorprendiendo por lo contrario durante los próximos años”.</em></div>
</blockquote>
<div style="box-sizing: border-box; margin-bottom: 10px;">
A este punto, <em style="box-sizing: border-box;">Arch MI</em> también reveló su <span style="box-sizing: border-box; font-weight: 700;"><em style="box-sizing: border-box;">Índice de riesgo</em></span> el cual estima la probabilidad de que los precios de las viviendas fueran menores en dos años. El índice está basado en los factores como las tasas de desempleo regionales, asequibilidad, migración neta, construcción de vivienda y el porcentaje de morosidad hipotecaria.</div>
<div style="box-sizing: border-box; margin-bottom: 10px;">
A continuación, está el mapa que muestra sus proyecciones, entre más oscuro el azul, más baja la probabilidad de una disminución del precio.</div>
<div style="box-sizing: border-box; margin-bottom: 10px;">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjwdwVVrgGd7GEZLAUE5sZbZ5nABVma3YEjhfICixbPTHwJpq3OtoyumXk0gaxD0JwytO6NvltzbqZxYhPOCr2WoQ5wyQof6joRC3QvZ8CzHDQYTSDfdSX4Fovf4-q9DDLEVWY2gXJp0Z4z/s1600/may+3.1.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="684" data-original-width="975" height="280" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjwdwVVrgGd7GEZLAUE5sZbZ5nABVma3YEjhfICixbPTHwJpq3OtoyumXk0gaxD0JwytO6NvltzbqZxYhPOCr2WoQ5wyQof6joRC3QvZ8CzHDQYTSDfdSX4Fovf4-q9DDLEVWY2gXJp0Z4z/s400/may+3.1.JPG" width="400" /></a></div>
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</div>
<h3 style="box-sizing: border-box; color: #00aeef; font-family: "Roboto Slab", serif; font-size: 20px; line-height: 1.1; margin-bottom: 10px; margin-top: 20px;">
<span style="box-sizing: border-box;">En conclusión,</span></h3>
<div style="box-sizing: border-box; margin-bottom: 10px;">
Si las tasas de interés y los precios continúan aumentando, como se pronostica, el pago mensual hipotecario en una casa comprada dentro de un año será drásticamente más costoso de lo que sería hoy en día.</div>
<div style="box-sizing: border-box; margin-bottom: 10px;">
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Ross Meryhttp://www.blogger.com/profile/18049915591192901043noreply@blogger.com1tag:blogger.com,1999:blog-187486236129490358.post-57280768672891875702018-05-02T04:00:00.000-07:002018-05-02T04:00:13.447-07:00 Queens, NY Real Estate | Un estudio nuevo muestra ‘los mejores estados para los ‘Millennials’’<div dir="ltr" style="text-align: left;" trbidi="on">
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Un estudio nuevo muestra ‘los mejores estados para los ‘Millennials’’</h1>
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Un estudio nuevo de <em style="box-sizing: border-box;">WalletHub</em> usó “<em style="box-sizing: border-box;">30 parámetros claves, desde la tasa de desempleo de los ‘millennials’ hasta la tasa de participación de los ‘millennials ‘votantes</em>”, para averiguar qué estados son los ‘<a href="https://wallethub.com/edu/best-states-for-millennials/33371/" style="background-color: transparent; box-sizing: border-box; color: #00aeef; text-decoration-line: none; transition: all 0.3s;" target="_blank"><em style="box-sizing: border-box;">Mejores estados para los ‘millennials’</em></a>’.</div>
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<span style="box-sizing: border-box;">Los 5 estados principales para los ‘millennials’ son:</span></h4>
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<li style="box-sizing: border-box;"><span style="box-sizing: border-box; font-weight: 700;">Washington, D.C.</span> <em style="box-sizing: border-box;">(¡También ocupa un rango superior en el porcentaje de ‘millennials’ que ya viven allí!</em>)</li>
<li style="box-sizing: border-box;"><span style="box-sizing: border-box; font-weight: 700;">North Dakota</span> <em style="box-sizing: border-box;">(tasa de desempleo más baja)</em></li>
<li style="box-sizing: border-box;"><span style="box-sizing: border-box; font-weight: 700;">Minnesota</span> <em style="box-sizing: border-box;">(la tasa más alta de propietarios de vivienda de los ‘millennials’)</em></li>
<li style="box-sizing: border-box;"><span style="box-sizing: border-box; font-weight: 700;">Massachusetts </span><em style="box-sizing: border-box;">(porcentaje más alto de ‘millennials’ con cobertura de seguro médico)</em></li>
<li style="box-sizing: border-box;"><span style="box-sizing: border-box; font-weight: 700;">Iowa</span> <em style="box-sizing: border-box;">(Clasificado #1 con el menor costo de vivienda para los ‘millennials’)</em></li>
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A continuación, hay un mapa con la clasificación para cada uno de los 50 estados:</div>
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Recientemente <a href="https://www.simplifyingthemarket.com/es/2018/04/18/how-much-do-you-need-to-make-to-buy-a-home-in-your-state/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" style="background-color: transparent; box-sizing: border-box; color: #00aeef; text-decoration-line: none; transition: all 0.3s;">informamos</a> de un estudio que se propuso averiguar <em style="box-sizing: border-box;">“¿Cuánto necesita ganar para comprar una casa en su estado?</em>”, lo que puede haberle dejado preguntándose cuál es el salario promedio en cada uno de los cinco estados mencionados anteriormente.</div>
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Según la investigación de <em style="box-sizing: border-box;">WalletHub</em>, los cinco estados principales con el <span style="box-sizing: border-box; font-weight: 700;"><em style="box-sizing: border-box;">salario promedio m</em></span><span style="box-sizing: border-box; font-weight: 700;"><em style="box-sizing: border-box;">á</em></span><span style="box-sizing: border-box; font-weight: 700;"><em style="box-sizing: border-box;">s alto de los ‘millennials’</em></span> son:</div>
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<li style="box-sizing: border-box;">Washington, D.C.</li>
<li style="box-sizing: border-box;">New York</li>
<li style="box-sizing: border-box;">Massachusetts</li>
<li style="box-sizing: border-box;">Washington</li>
<li style="box-sizing: border-box;">California</li>
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Cada día, más y más ‘millennials’ están entrando en la edad de la ‘<em style="box-sizing: border-box;">zona de responsabilidad’</em> el momento en sus vidas cuando sus responsabilidades empiezan a dictar su comportamiento. Para muchos, esto incluye comprar una casa. Los 5 estados principales con <span style="box-sizing: border-box; font-weight: 700;">la mayor tasa de propietarios de vivienda de los ‘millennials</span>’ son:</div>
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<li style="box-sizing: border-box;">Minnesota</li>
<li style="box-sizing: border-box;">West Virginia</li>
<li style="box-sizing: border-box;">Indiana</li>
<li style="box-sizing: border-box;">Utah</li>
<li style="box-sizing: border-box;">Delaware</li>
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<span style="box-sizing: border-box;">En conclusión,</span></h3>
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Si ser propietario de casa es lo siguiente en su lista, ¡reunámonos para contestar sus preguntas y encaminarlo hacia la propiedad de la vivienda!</div>
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<strong style="box-sizing: border-box;">RossMery Mosquera</strong><br />
Winzone Realty<br />
917-515-9783<br />
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Ross Meryhttp://www.blogger.com/profile/18049915591192901043noreply@blogger.com0tag:blogger.com,1999:blog-187486236129490358.post-30206611370273323512018-05-01T04:00:00.000-07:002018-05-01T04:00:01.766-07:00Vendiendo casa en Brooklyn NY | ¿Pensando en vender su casa? porqué necesita un profesional en su esquina<div dir="ltr" style="text-align: left;" trbidi="on">
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<h1 class="entry-title " style="box-sizing: border-box; color: #00aeef; font-family: "Roboto Slab", serif; font-size: 28px; line-height: 1.1; margin-bottom: 15px !important; margin-left: 0px; margin-right: 0px; margin-top: 0px;">
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¿Pensando en vender su casa? porqué necesita un profesional en su esquina</h1>
<div class="entry-meta" style="box-sizing: border-box; margin-bottom: 15px !important;">
<span class="posted-on" style="box-sizing: border-box; margin-right: 10px;"><span class="fa fa-calendar" style="box-sizing: border-box; display: inline-block; font-family: "fontawesome"; font-size: 14px; font-stretch: normal; line-height: 1; margin-right: 3px;"></span> </span><span class="cat-links" style="box-sizing: border-box; margin-right: 10px;"><a href="http://www.simplifyingthemarket.com/es/category/sellers/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">For Sellers</a>, <a href="http://www.simplifyingthemarket.com/es/category/sellers/fsbos/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">FSBOs</a>, <a href="http://www.simplifyingthemarket.com/es/category/buyers/move-up-buyers/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">Move-Up Buyers</a></span></div>
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<div class="entry-content" style="box-sizing: border-box; color: #6b6b6b; font-family: "Open Sans"; font-size: 14px; margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px !important;">
<div class="essb_links essb_displayed_float essb_share essb_template_flat-retina essb_594393573 print-no" data-essb-button-style="icon_hover" data-essb-counter-pos="" data-essb-instance="594393573" data-essb-position="float" data-essb-postid="37380" data-essb-template="flat-retina" data-essb-twitter-url="http://www.simplifyingthemarket.com/es/2018/04/24/thinking-of-selling-your-home-why-you-need-a-pro-in-your-corner/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" data-essb-url="http://www.simplifyingthemarket.com/es/2018/04/24/thinking-of-selling-your-home-why-you-need-a-pro-in-your-corner/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" id="essb_displayed_float_594393573" style="background-color: white; box-sizing: border-box; clear: both; margin: 1em 0px; width: 650px; word-wrap: normal !important;">
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<li class="essb_item essb_link_linkedin nolightbox" style="-webkit-font-smoothing: antialiased; background-image: none; border: 0px; box-sizing: content-box; display: inline-block; line-height: 1em; list-style: none !important; margin: 0px; outline: 0px; padding: 0px; transform: translate3d(0px, 0px, 0px); vertical-align: middle;"><span class="essb_network_name" style="background-color: rgb(18 , 123 , 182); background-image: none; border-radius: 3px; border: 0px; box-shadow: rgba(0 , 0 , 0 , 0.2) 0px -4px 0px inset; box-sizing: content-box; color: rgb(255 , 255 , 255); display: inline-block; line-height: 1em; margin: 0px; max-width: 0px; outline: 0px; overflow: hidden; padding: 0px; transform: translate3d(0px , 0px , 0px); transition: all 0.2s ease-in-out; vertical-align: middle; white-space: nowrap;"><span style="background-color: white; color: #6b6b6b; font-family: "open sans";">Con los precios de las viviendas en aumento y una fuerte demanda de los compradores, algunos vendedores podrían ser tentados a </span><em style="box-sizing: border-box; color: #6b6b6b; font-family: "Open Sans";">vender la casa por su propia cuenta (FSBO*)</em><span style="background-color: white; color: #6b6b6b; font-family: "open sans";"> sin utilizar los servicios de un profesional en bienes raíces.</span></span></li>
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Los agentes de bienes raíces están entrenados y tienen experiencia en negociación. En la mayoría de los casos, el vendedor no lo está. El vendedor debe darse cuenta de que su habilidad de negociar determinará si consigue el mejor acuerdo para ellos y sus familias.</div>
<h4 style="background-color: white; box-sizing: border-box; color: #00aeef; font-family: "Roboto Slab", serif; font-size: 16px; line-height: 24px; margin-bottom: 10px; margin-top: 10px;">
<span style="box-sizing: border-box;">Aquí está la lista de algunas de las personas con las que el vendedor debe estar dispuesto a negociar si decide vender por su cuenta:</span></h4>
<ul style="background-color: white; box-sizing: border-box; margin-bottom: 10px; margin-top: 0px;">
<li style="box-sizing: border-box;"> El comprador que quiere el mejor acuerdo posible</li>
<li style="box-sizing: border-box;"> El agente del comprador que representa únicamente el mejor interés del comprador</li>
<li style="box-sizing: border-box;"> El abogado del comprador (En algunas partes del país)</li>
<li style="box-sizing: border-box;"> La <a href="https://www.simplifyingthemarket.com/es/2017/01/29/what-to-expect-from-your-home-inspection/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" style="background-color: transparent; box-sizing: border-box; color: #00aeef; text-decoration-line: none; transition: all 0.3s;">compañía de inspección</a> de la casa que trabaja para el comprador y casi siempre encuentra alguno problema con la casa</li>
<li style="box-sizing: border-box;"> La compañía de termitas (o comején) si hay algún problema</li>
<li style="box-sizing: border-box;"> El prestamista del comprador si la estructura de la hipoteca requiere la participación del vendedor</li>
<li style="box-sizing: border-box;"> El <a href="https://www.simplifyingthemarket.com/es/2018/01/24/gap-between-homeowners-appraisers-narrows-to-lowest-mark-in-2-years/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" style="background-color: transparent; box-sizing: border-box; color: #00aeef; text-decoration-line: none; transition: all 0.3s;">tasador</a> si hay pregunta sobre el valor</li>
<li style="box-sizing: border-box;"> La empresa de títulos si hay algún desafío con los certificados de ocupación (CO) u otros permisos</li>
<li style="box-sizing: border-box;"> La ciudad o el municipio si usted necesita los permisos para los certificados (CO) mencionados anteriormente</li>
<li style="box-sizing: border-box;"> El comprador de su comprador en caso de que existan problemas en la casa que su vendedor está vendiendo</li>
<li style="box-sizing: border-box;"> Su banco en caso de que sea una venta por menos de la deuda</li>
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<span style="box-sizing: border-box;">En conclusión</span></h3>
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El porcentaje de vendedores que ha contratado un agente en bienes raíces para vender su casa ha aumentado constantemente durante los últimos 20 años. Reúnase con un profesional en su mercado local para ver la diferencia que ellos pueden hacer para facilitar el proceso.</div>
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*FSBO – <em style="box-sizing: border-box;">Por sus siglas en inglés (For Sale By Owner)</em></h6>
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<tr style="background-color: transparent; border: none; box-sizing: border-box; margin: 0px; padding: 0px;"><td align="center" bgcolor="#C31919" style="background-color: #b40101; border-collapse: collapse; border-radius: 3px; border: none; box-shadow: rgb(105, 0, 0) 0px 0px 36px 0px inset; box-sizing: border-box; color: white; display: block; font-size: 14px; font-weight: 700; margin: 0px; padding: 12px 10px; text-align: center; text-transform: uppercase;" valign="top"><a data-name="char-limit-input-title" href="http://www.searchallproperties.com/propertyvaluation-plus-one/rossmery12/New+York" style="background-color: transparent; box-sizing: border-box; color: white; font-size: 12px; letter-spacing: 1px; text-decoration-line: none;">HOMES VALUES ARE UP! GET YOUR HOME VALUE NOW!</a></td></tr>
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<tr style="background-color: transparent; border: none; box-sizing: border-box; margin: 0px; padding: 0px;"><td style="border-bottom: 1px solid rgb(221, 221, 221); border-collapse: collapse; border-image: initial; border-left: none; border-right: none; border-top: none; box-sizing: border-box; line-height: 16px; margin: 0px; padding: 9px 0px; text-size-adjust: none;" valign="top" width="100%"><a href="https://www.nycteamrealty.com/property/find/residential" style="background-color: transparent; box-sizing: border-box; color: #002c64; font-size: 12px; font-weight: 700; letter-spacing: 1px; text-decoration-line: none; text-transform: uppercase;" target="_blank">SEARCH ALL HOMES FOR SALE</a></td></tr>
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<strong style="box-sizing: border-box;">RossMery Mosquera</strong><br />
Winzone Realty<br />
917-515-9783<br />
<a href="mailto:nyhomeseller@gmail.com" style="background-color: transparent; box-sizing: border-box; color: #002c64; font-weight: 700; text-decoration-line: none;" target="_blank">Contact Me</a></div>
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Ross Meryhttp://www.blogger.com/profile/18049915591192901043noreply@blogger.com0tag:blogger.com,1999:blog-187486236129490358.post-3415215784633809382018-04-30T04:00:00.000-07:002018-04-30T04:00:14.411-07:00Veniendo my casa en Queens NY | Comprar una casa es más barato que alquilar en La mayoría de los Estados Unidos<div dir="ltr" style="text-align: left;" trbidi="on">
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Comprar una casa es más barato que alquilar en La mayoría de los Estados Unidos</h1>
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<span class="cat-links" style="box-sizing: border-box; margin-right: 10px;"><a href="http://www.simplifyingthemarket.com/es/category/buyers/first-time-home-buyers/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="background-color: transparent; box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">First Time Home Buyers</a>, <a href="http://www.simplifyingthemarket.com/es/category/buyers/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="background-color: transparent; box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">For Buyers</a>, <a href="http://www.simplifyingthemarket.com/es/category/housing-market-updates/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="background-color: transparent; box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">Housing Market Updates</a>,</span></div>
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<span style="font-family: "Open Sans"; white-space: nowrap;">Los resultados del </span><em style="box-sizing: border-box; font-family: "Open Sans"; white-space: nowrap;">Informe de la </em><a href="https://www.attomdata.com/news/affordability/2018-rental-affordability-report/" style="background-color: transparent; box-sizing: border-box; color: #00aeef; font-family: "Open Sans"; text-decoration-line: none; transition: all 0.3s; white-space: nowrap;" target="_blank"><em style="box-sizing: border-box;">Asequibilidad del alquiler de 2018</em></a><span style="font-family: "Open Sans"; white-space: nowrap;"> de </span><em style="box-sizing: border-box; font-family: "Open Sans"; white-space: nowrap;">ATTOM</em><span style="font-family: "Open Sans"; white-space: nowrap;"> muestra que comprar una vivienda de precio medio es más asequible que alquilar una propiedad de tres dormitorios en 54 % de los condados de Estados Unidos analizados para el informe.</span></div>
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¡Los números actualizados muestran que alquilar una propiedad de tres dormitorios en los Estados Unidos requiere en promedio 38,8 % de los ingresos!</div>
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El mercado menos asequible para alquilar fue el condado de Marin, CA, justo en el puente Golden Bridge de San Francisco, donde los inquilinos gastan un asombroso <span style="box-sizing: border-box; font-weight: 700;">79,5 % del salario promedio</span>en alquiler, mientras que el mercado más asequible fue el condado de Madison, AL donde <span style="box-sizing: border-box; font-weight: 700;">22,3 % del salario promedio</span> fue para el alquiler.</div>
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<span style="box-sizing: border-box;">Otros resultados interesantes en el informe incluyen:</span></h4>
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<li style="box-sizing: border-box;"><span style="box-sizing: border-box; font-weight: 700;">El alquiler promedio aumentó más rápido que los ingresos en 60 % de los condados</span></li>
<li style="box-sizing: border-box;">El alquiler promedio aumentó más rápido que el precio medio de las viviendas en 41 % de los condados</li>
<li style="box-sizing: border-box;">Mientras que el precio medio de las viviendas aumentó más rápidamente que el alquiler promedio en 58 % de los condados</li>
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<span style="box-sizing: border-box;">En conclusión,</span></h3>
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Comprar una casa tiene sentido social y financiero. Si usted es uno de los muchos inquilinos que les gustaría evaluar su habilidad para comprar este año, ¡Reunámonos para ayudarle a encontrar la casa de sus sueños!</div>
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<strong style="box-sizing: border-box;">RossMery Mosquera</strong><br />Winzone Realty<br />917-515-9783<br /><a href="mailto:nyhomeseller@gmail.com" style="background-color: transparent; box-sizing: border-box; color: #002c64; font-weight: 700; text-decoration-line: none;" target="_blank">Contact Me</a></div>
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<tr style="background-color: transparent; border: none; box-sizing: border-box; margin: 0px; padding: 0px;"><td align="center" style="border-collapse: collapse; box-sizing: border-box; color: #111111; font-size: 14px; line-height: 21px; margin: 0px; padding: 0px; text-align: center;" valign="top"><span style="box-sizing: border-box; display: inline-block; line-height: 32px; vertical-align: top;">You Can Also Visit Us At:</span> <a href="https://www.facebook.com/queenshomesonline" style="background-color: transparent; box-sizing: border-box; color: #002c64; text-decoration-line: none;"><img alt="" height="32" src="https://beta.listingstoleads.com/system/images/social_icons/facebook_social_circle.png" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; border: none; box-shadow: none; box-sizing: border-box; height: auto; margin: 0px; max-width: 100%; padding: 0px; position: relative; vertical-align: middle;" width="32" /></a> <a href="https://www.youtube.com/channel/UCKONVJALBzumIusjUPOzTgg/videos" style="background-color: transparent; box-sizing: border-box; color: #002c64; text-decoration-line: none;"><img alt="" src="https://beta.listingstoleads.com/system/images/social_icons/youtube_social_circle.png" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; border: none; box-shadow: none; box-sizing: border-box; height: auto; margin: 0px; max-width: 100%; padding: 0px; position: relative; vertical-align: middle;" /></a> <a href="https://plus.google.com/u/0/+RossMeryMosquera/posts/p/pub" style="background-color: transparent; box-sizing: border-box; color: #002c64; text-decoration-line: none;"><img alt="" src="https://beta.listingstoleads.com/system/images/social_icons/google_plus_social_circle.png" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; border: none; box-shadow: none; box-sizing: border-box; height: auto; margin: 0px; max-width: 100%; padding: 0px; position: relative; vertical-align: middle;" /></a></td></tr>
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Ross Meryhttp://www.blogger.com/profile/18049915591192901043noreply@blogger.com0tag:blogger.com,1999:blog-187486236129490358.post-5951742782165375172018-04-28T04:00:00.000-07:002018-04-28T04:00:29.597-07:00Comprando casa en Brooklyn NY | Un cuento de dos mercados<div dir="ltr" style="text-align: left;" trbidi="on">
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Un cuento de dos mercados</h1>
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<span class="cat-links" style="box-sizing: border-box; margin-right: 10px;"><a href="http://www.simplifyingthemarket.com/es/category/buyers/first-time-home-buyers/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="background-color: transparent; box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">First Time Home Buyers</a>, <a href="http://www.simplifyingthemarket.com/es/category/buyers/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="background-color: transparent; box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">For Buyers</a>, <a href="http://www.simplifyingthemarket.com/es/category/sellers/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="background-color: transparent; box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">For Sellers</a>, <a href="http://www.simplifyingthemarket.com/es/category/housing-market-updates/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="background-color: transparent; box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">Housing Market Updates</a>, <a href="http://www.simplifyingthemarket.com/es/category/infographics/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="background-color: transparent; box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">Infographics</a>, <a href="http://www.simplifyingthemarket.com/es/category/buyers/move-up-buyers/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="background-color: transparent; box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">Move-Up Buyers</a></span></div>
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<span style="box-sizing: border-box;">Algunos aspectos destacados:</span></h3>
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<li style="box-sizing: border-box;">Una tendencia que ha estado surgiendo por algún tiempo, es el contraste entre el inventario & la demanda en los mercados de viviendas de calidad & lujo Vs. Los mercados de iniciación e intercambio y ¡Lo que a su vez está haciendo a los precios!</li>
<li style="box-sizing: border-box;">El inventario sigue aumentando en los mercados de calidad & lujo, lo que está causando que los precios se enfríen.</li>
<li style="box-sizing: border-box;">La demanda continúa aumentando con el inventario bajo en los mercados de las viviendas de iniciación e intercambio, ¡Haciendo que los precios aumenten!</li>
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Ross Meryhttp://www.blogger.com/profile/18049915591192901043noreply@blogger.com0tag:blogger.com,1999:blog-187486236129490358.post-64563391023346673822018-04-27T04:00:00.000-07:002018-04-27T04:00:40.370-07:00Comprando Casa en Queens NY | ¿Está fuera de control la deuda hipotecaria familiar?<div dir="ltr" style="text-align: left;" trbidi="on">
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¿Está fuera de control la deuda hipotecaria familiar?</h1>
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<span class="cat-links" style="box-sizing: border-box; margin-right: 10px;"> <a href="http://www.simplifyingthemarket.com/es/category/buyers/first-time-home-buyers/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="background-color: transparent; box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">First Time Home Buyers</a>, <a href="http://www.simplifyingthemarket.com/es/category/buyers/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="background-color: transparent; box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">For Buyers</a>, <a href="http://www.simplifyingthemarket.com/es/category/sellers/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="background-color: transparent; box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">For Sellers</a>, <a href="http://www.simplifyingthemarket.com/es/category/interest-rates/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="background-color: transparent; box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">Interest Rates</a>, <a href="http://www.simplifyingthemarket.com/es/category/buyers/move-up-buyers/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="background-color: transparent; box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">Move-Up Buyers</a></span></div>
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<li class="essb_item essb_link_linkedin nolightbox" style="-webkit-font-smoothing: antialiased; background-image: none; border: 0px; box-sizing: content-box; display: inline-block; line-height: 1em; list-style: none !important; margin: 0px; outline: 0px; padding: 0px; transform: translate3d(0px, 0px, 0px); vertical-align: middle;"><span class="essb_network_name" style="background-color: rgb(18 , 123 , 182); background-image: none; border-radius: 3px; border: 0px; box-shadow: rgba(0 , 0 , 0 , 0.2) 0px -4px 0px inset; box-sizing: content-box; color: rgb(255 , 255 , 255); display: inline-block; line-height: 1em; margin: 0px; max-width: 0px; outline: 0px; overflow: hidden; padding: 0px; transform: translate3d(0px , 0px , 0px); transition: all 0.2s ease-in-out; vertical-align: middle; white-space: nowrap;"><span style="background-color: white; color: #6b6b6b; font-family: "open sans";">Algunos propietarios de vivienda recientemente hicieron una refinanciación “con entrega de dinero en efectivo” y han tomado una porción mayor de la plusvalía de su casa. Otros han vendido sus casas y han comprado casas más caras con hipotecas más grandes. Al mismo tiempo, los compradores por primera vez se han convertido en propietarios de vivienda y ahora tienen pagos hipotecarios por primera vez.</span></span></li>
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Estos acontecimientos han causado preocupación de que las familias podrían estar alcanzando niveles insostenibles de deuda hipotecaria. Algunos están preocupados que podríamos estar repitiendo el comportamiento que ayudó a precipitar el desplome de la vivienda diez años atrás.</div>
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Hoy, queremos asegurarles a todos que este no es el caso. Aquí hay una gráfica creada con <a href="https://www.federalreserve.gov/releases/housedebt/default.htm" style="background-color: transparent; box-sizing: border-box; color: #00aeef; text-decoration-line: none; transition: all 0.3s;" target="_blank">datos</a>publicados por la <em style="box-sizing: border-box;">junta de la Reserva federal</em> que muestra el <span style="box-sizing: border-box; font-weight: 700;">coeficiente del servicio de la deuda familiar</span> para las hipotecas, como porcentaje del ingreso personal disponible. El coeficiente es el total de los pagos hipotecarios requeridos trimestralmente, dividido por el total del ingreso personal disponible. En otras palabras, el porcentaje del ingreso gastable que la gente está utilizando para pagar su hipoteca.</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjSFZQOE0BnDxAS9xNggDaJZ5WPM4b8RSm44l_cIrmUuMy3wLdzl98Q8bcigcBjGFzmR4lRHC6iev3Aq_UINg7L7iQtJra3UtKY0JC0lwYj6T7dVkoYWjXy8zenKsus3aW2HdX0Aw6KjYJz/s1600/April+271.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="652" data-original-width="955" height="272" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjSFZQOE0BnDxAS9xNggDaJZ5WPM4b8RSm44l_cIrmUuMy3wLdzl98Q8bcigcBjGFzmR4lRHC6iev3Aq_UINg7L7iQtJra3UtKY0JC0lwYj6T7dVkoYWjXy8zenKsus3aW2HdX0Aw6KjYJz/s400/April+271.JPG" width="400" /></a></div>
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El coeficiente actual de 4.44 % no está nada cerca del coeficiente de 7.21 % durante el máximo de la burbuja y por el contrario está en la tasa más baja desde 1980 (4.38 %).</div>
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Bill McBride de <em style="box-sizing: border-box;">Calculated Risk</em> recientemente <a href="http://www.calculatedriskblog.com/2018/04/fed-q4-2017-household-debt-service.html" style="background-color: transparent; box-sizing: border-box; color: #00aeef; text-decoration-line: none; transition: all 0.3s;" target="_blank">comentó sobre el coeficiente</a>:</div>
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<em style="box-sizing: border-box;"> “El coeficiente del servicio de la deuda para las hipotecas est</em><em style="box-sizing: border-box;">á</em><em style="box-sizing: border-box;"> cerca del mínimo en los últimos 38 años. Este coeficiente aument</em><em style="box-sizing: border-box;">ó</em><em style="box-sizing: border-box;"> rápidamente durante la burbuja de la vivienda y continu</em><em style="box-sizing: border-box;">ó</em><em style="box-sizing: border-box;"> aumentando hasta 2007. Con la caída de las tasas hipotecarias, y menos deuda hipotecaria, la proporción hipotecaria ha disminuido significativamente”.</em></div>
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<span style="box-sizing: border-box;">En conclusión,</span></h3>
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Muchas familias pagaron un precio muy alto debido a las prácticas dudosas que llevaron al desplome de la vivienda en la década pasada. Parece que el pueblo estadounidense ha aprendido la lección y no está repitiendo ese mismo comportamiento con respecto a su deuda hipotecaria</div>
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Ross Meryhttp://www.blogger.com/profile/18049915591192901043noreply@blogger.com0tag:blogger.com,1999:blog-187486236129490358.post-23492687147193585052018-04-26T04:00:00.000-07:002018-04-26T04:00:18.738-07:00Vendiendo my casa en Brooklyn NY | ¿Cuánto necesita ganar para comprar una casa en su estado?<div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgoTURogcIGz8kYzRtOrXgXWun02nRgkjDXyyxttngzONpP-MaGZfcgjCDa-oicHqQbjQi7AnkOeMEIrGckUdM4Ctv5mFuY-y69FXM-6sGoQkwwFaj4o0qn_WHIga0DtIdCZp6nSLcLwMJw/s1600/April+26.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="615" data-original-width="1127" height="217" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgoTURogcIGz8kYzRtOrXgXWun02nRgkjDXyyxttngzONpP-MaGZfcgjCDa-oicHqQbjQi7AnkOeMEIrGckUdM4Ctv5mFuY-y69FXM-6sGoQkwwFaj4o0qn_WHIga0DtIdCZp6nSLcLwMJw/s400/April+26.JPG" width="400" /></a></div>
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¿Cuánto necesita ganar para comprar una casa en su estado?</h1>
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<span class="cat-links" style="box-sizing: border-box; margin-right: 10px;"><a href="http://www.simplifyingthemarket.com/es/category/buyers/first-time-home-buyers/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="background-color: transparent; box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">First Time Home Buyers</a>, <a href="http://www.simplifyingthemarket.com/es/category/buyers/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="background-color: transparent; box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">For Buyers</a>, <a href="http://www.simplifyingthemarket.com/es/category/sellers/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="background-color: transparent; box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">For Sellers</a>, <a href="http://www.simplifyingthemarket.com/es/category/buyers/move-up-buyers/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="background-color: transparent; box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">Move-Up Buyers</a></span></div>
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<div class="essb_links essb_displayed_float essb_share essb_template_flat-retina essb_1844471024 print-no" data-essb-button-style="icon_hover" data-essb-counter-pos="" data-essb-instance="1844471024" data-essb-position="float" data-essb-postid="37355" data-essb-template="flat-retina" data-essb-twitter-url="http://www.simplifyingthemarket.com/es/2018/04/18/how-much-do-you-need-to-make-to-buy-a-home-in-your-state/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" data-essb-url="http://www.simplifyingthemarket.com/es/2018/04/18/how-much-do-you-need-to-make-to-buy-a-home-in-your-state/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" id="essb_displayed_float_1844471024" style="box-sizing: border-box; clear: both; margin: 1em 0px; width: 650px; word-wrap: normal !important;">
<ul class="essb_links_list essb_hide_name" style="-webkit-font-smoothing: antialiased; background-image: none; border: 0px; box-sizing: content-box; font-family: "Open Sans", helvetica, arial, sans-serif; line-height: 1em; list-style: none !important; margin: 0px !important; outline: 0px; padding: 0px !important; transform: translate3d(0px, 0px, 0px);"><span style="font-family: "open sans";">No es ningún misterio que el costo de vida varia drásticamente dependiendo de donde usted vive, por lo que un </span><a href="https://realestateinvestingtoday.com/ideal-salary-you-need-to-own-a-home-each-state/" style="background-color: transparent; box-sizing: border-box; color: #00aeef; font-family: "Open Sans"; text-decoration-line: none; transition: all 0.3s;" target="_blank">estudio</a><span style="font-family: "open sans";"> nuevo de </span><em style="box-sizing: border-box; font-family: "Open Sans";">GOBankingRates</em><span style="font-family: "open sans";"> se propuso averiguar qué salario mínimo usted necesita ganar para comprar una casa de precio medio en cada uno de los 50 estados, y Washington, D.C.</span></ul>
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Los estados en el medio oeste llegaron en primer lugar como los más asequibles, requiriendo los salarios más pequeños para comprar una casa de precio medio. Los estados con áreas metropolitanas grandes vieron un bache en el salario promedio necesario para comprar, con California, Washington, D.C. y Hawaii marginando a todos los demás con los salarios más altos requeridos.</div>
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A continuación, se muestra un mapa con todos los resultados del estudio:</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhspa1E_KVy-rm71O7rZkIBVqMi3GEPP5DtkJTKyRP1G6iEbl0gkgsp6iQYRLT4uQr_ZXZ7avpfyjMVHe6cWLTnAAIj2v6zjGU5kMU-BxNw7c3ttJjU3CLmQO2ogxL3LrX19-OSesLlBs3G/s1600/April+261.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="674" data-original-width="1073" height="251" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhspa1E_KVy-rm71O7rZkIBVqMi3GEPP5DtkJTKyRP1G6iEbl0gkgsp6iQYRLT4uQr_ZXZ7avpfyjMVHe6cWLTnAAIj2v6zjGU5kMU-BxNw7c3ttJjU3CLmQO2ogxL3LrX19-OSesLlBs3G/s400/April+261.JPG" width="400" /></a></div>
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<em style="box-sizing: border-box;">GoBankingRates </em>dio este consejo a cualquier persona que está considerando comprar una casa,</div>
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<em style="box-sizing: border-box;">“Antes de comprar una casa, es importante averiguar si usted está en capacidad de hacer el pago mensual de la hipoteca. Para hacer esto, algunos expertos financieros recomiendan que sus gastos de vivienda – principalmente sus pagos hipotecarios – no deberían consumir m</em><em style="box-sizing: border-box;">á</em><em style="box-sizing: border-box;">s del 30 por ciento de su ingreso mensual”.</em></div>
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Como <a href="https://www.simplifyingthemarket.com/es/2018/04/12/the-cost-of-your-next-home-will-be-less-than-your-parents-home-was/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" style="background-color: transparent; box-sizing: border-box; color: #00aeef; text-decoration-line: none; transition: all 0.3s;">informamos recientemente</a>, la investigación de <em style="box-sizing: border-box;">Zillow</em> muestra que históricamente, los estadounidenses han gastado 21 % de su ingreso al ser propietario de una casa de precio medio. ¡Los últimos datos del cuarto trimestre de 2017 muestran que el porcentaje de ingresos necesarios hoy es solo de 15,7 %!</div>
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<span style="box-sizing: border-box;">En conclusión,</span></h3>
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Si usted está considerando comprar una casa, ya sea su primera o su quinta vez, ¡Reunámonos para evaluar su habilidad de hacerlo en el mercado actual!</div>
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<strong style="box-sizing: border-box;">RossMery Mosquera</strong><br />
Winzone Realty<br />
917-515-9783<br />
<a href="mailto:nyhomeseller@gmail.com" style="background-color: transparent; box-sizing: border-box; color: #002c64; font-weight: 700; text-decoration-line: none;" target="_blank">Contact Me</a></div>
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Ross Meryhttp://www.blogger.com/profile/18049915591192901043noreply@blogger.com0tag:blogger.com,1999:blog-187486236129490358.post-43551547520680412018-04-25T04:00:00.000-07:002018-04-25T04:00:45.670-07:00Vendiendo my casa en Queens NY | Los precios en aumento ayudan a crear su patrimonio familiar<div dir="ltr" style="text-align: left;" trbidi="on">
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Los precios en aumento ayudan a crear su patrimonio familiar</h1>
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<span class="cat-links" style="box-sizing: border-box; margin-right: 10px;"><a href="http://www.simplifyingthemarket.com/es/category/buyers/first-time-home-buyers/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="background-color: transparent; box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">First Time Home Buyers</a>, <a href="http://www.simplifyingthemarket.com/es/category/buyers/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="background-color: transparent; box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">For Buyers</a>, <a href="http://www.simplifyingthemarket.com/es/category/sellers/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="background-color: transparent; box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">For Sellers</a>, <a href="http://www.simplifyingthemarket.com/es/category/buyers/move-up-buyers/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="background-color: transparent; box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">Move-Up Buyers</a></span></div>
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<div class="essb_links essb_displayed_float essb_share essb_template_flat-retina essb_1128753627 print-no" data-essb-button-style="icon_hover" data-essb-counter-pos="" data-essb-instance="1128753627" data-essb-position="float" data-essb-postid="37330" data-essb-template="flat-retina" data-essb-twitter-url="http://www.simplifyingthemarket.com/es/2018/04/17/rising-prices-help-you-build-your-familys-wealth/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" data-essb-url="http://www.simplifyingthemarket.com/es/2018/04/17/rising-prices-help-you-build-your-familys-wealth/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" id="essb_displayed_float_1128753627" style="box-sizing: border-box; clear: both; margin: 1em 0px; width: 650px; word-wrap: normal !important;">
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<li class="essb_item essb_link_linkedin nolightbox" style="-webkit-font-smoothing: antialiased; background-image: none; border: 0px; box-sizing: content-box; display: inline-block; line-height: 1em; list-style: none !important; margin: 0px; outline: 0px; padding: 0px; transform: translate3d(0px, 0px, 0px); vertical-align: middle;"><span class="essb_network_name" style="background-color: rgb(18 , 123 , 182); background-image: none; border-radius: 3px; border: 0px; box-shadow: rgba(0 , 0 , 0 , 0.2) 0px -4px 0px inset; box-sizing: content-box; color: rgb(255 , 255 , 255); display: inline-block; line-height: 1em; margin: 0px; max-width: 0px; outline: 0px; overflow: hidden; padding: 0px; transform: translate3d(0px , 0px , 0px); transition: all 0.2s ease-in-out; vertical-align: middle; white-space: nowrap;"><span style="background-color: white; color: #6b6b6b; font-family: "open sans";">Durante los próximos cinco años, se espera que los precios de la vivienda aprecien, en promedio, 3.6 % por año y aumente un 18.2 % de forma acumulativa, según la </span><a href="https://www.pulsenomics.com/Q1_2018_HPE_Survey.php" style="background-color: transparent; box-sizing: border-box; color: #00aeef; font-family: "Open Sans"; text-decoration-line: none; transition: all 0.3s;" target="_blank"><em style="box-sizing: border-box;">Encuesta de las expectativas de los precios de las casas</em></a><span style="background-color: white; color: #6b6b6b; font-family: "open sans";"> más reciente de </span><em style="background-color: white; box-sizing: border-box; color: #6b6b6b; font-family: "Open Sans";">Pulsenomics</em><span style="background-color: white; color: #6b6b6b; font-family: "open sans";">.</span></span></li>
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<span style="box-sizing: border-box;">Entonces ¿Qué significa esto para los propietarios de vivienda y su posición de plusvalía?</span></h4>
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Por ejemplo, asumamos que una pareja joven compra y cierra en una casa de $250,000 en enero. Si solo miramos el aumento proyectado en el precio de esa casa ¿Cuánta plusvalía pueden ellos ganar durante los próximos 5 años?</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhU-hU1pTOCIvTgoUmwAIJhurgHbTk76OloNnvVa1t14VHryx3GWpdT0OcxyvQlAYUXt0315Q29eE1XqdYsxCLHx0MWc0avy55ZEssad5g4b3nY0nnphV8FRlN0TsgrvRpndXhWjTiw4DLk/s1600/April+251.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="673" data-original-width="918" height="292" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhU-hU1pTOCIvTgoUmwAIJhurgHbTk76OloNnvVa1t14VHryx3GWpdT0OcxyvQlAYUXt0315Q29eE1XqdYsxCLHx0MWc0avy55ZEssad5g4b3nY0nnphV8FRlN0TsgrvRpndXhWjTiw4DLk/s400/April+251.JPG" width="400" /></a></div>
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Dado que los expertos predicen que los precios de las viviendas aumentarán en un 5.0 % en 2018, los propietarios de vivienda jóvenes ganarán más de $12,500 en plusvalía solo en un año.</div>
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<span style="box-sizing: border-box; font-weight: 700;">¡Durante un periodo de cinco años, su plusvalía aumentará más de $48,000!</span> Esta cifra ni siquiera toma en cuenta sus pagos hipotecarios mensuales al principal. En muchos casos, la plusvalía es una de las porciones más grandes del patrimonio neto familiar en general.</div>
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<span style="box-sizing: border-box;">En conclusión,</span></h3>
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Ser propietario de vivienda no solamente es algo para estar orgulloso, también le ofrece a usted y a su familia la capacidad de crear patrimonio contra el cual usted puede pedir prestado en el futuro. Si usted está listo y dispuesto para comprar, ¡averigüe su está en capacidad de hacerlo hoy!</div>
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<tr style="background-color: transparent; border: none; box-sizing: border-box; margin: 0px; padding: 0px;"><td align="center" bgcolor="#C31919" style="background-color: #b40101; border-collapse: collapse; border-radius: 3px; border: none; box-shadow: rgb(105, 0, 0) 0px 0px 36px 0px inset; box-sizing: border-box; color: white; display: block; font-size: 14px; font-weight: 700; margin: 0px; padding: 12px 10px; text-align: center; text-transform: uppercase;" valign="top"><a data-name="char-limit-input-title" href="http://www.searchallproperties.com/propertyvaluation-plus-one/rossmery12/New+York" style="background-color: transparent; box-sizing: border-box; color: white; font-size: 12px; letter-spacing: 1px; text-decoration-line: none;">HOMES VALUES ARE UP! GET YOUR HOME VALUE NOW!</a></td></tr>
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<tr style="background-color: transparent; border: none; box-sizing: border-box; margin: 0px; padding: 0px;"><td style="border-bottom: 1px solid rgb(221, 221, 221); border-collapse: collapse; border-image: initial; border-left: none; border-right: none; border-top: none; box-sizing: border-box; line-height: 16px; margin: 0px; padding: 9px 0px; text-size-adjust: none;" valign="top" width="100%"><a href="http://www.searchallproperties.com/propertyvaluation-plus-one/rossmery12/New+York" style="background-color: transparent; box-sizing: border-box; color: #002c64; font-size: 12px; font-weight: 700; letter-spacing: 1px; text-decoration-line: none; text-transform: uppercase;" target="_blank">HOME VALUATION</a></td></tr>
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<tr style="background-color: transparent; border: none; box-sizing: border-box; margin: 0px; padding: 0px;"><td style="border-bottom: 1px solid rgb(221, 221, 221); border-collapse: collapse; border-image: initial; border-left: none; border-right: none; border-top: none; box-sizing: border-box; line-height: 16px; margin: 0px; padding: 9px 0px; text-size-adjust: none;" valign="top" width="100%"><a href="https://www.searchallproperties.com/lcf/rossmery12/Sellers+Guide" style="background-color: transparent; box-sizing: border-box; color: #002c64; font-size: 12px; font-weight: 700; letter-spacing: 1px; text-decoration-line: none; text-transform: uppercase;" target="_blank">SELLER EGUIDE</a></td></tr>
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<tr style="background-color: transparent; border: none; box-sizing: border-box; margin: 0px; padding: 0px;"><td style="border-collapse: collapse; box-sizing: border-box; font-size: 12px; margin: 0px; padding: 0px; text-size-adjust: none;" valign="top" width="30%"><img alt="" src="http://photos.listingstoleads.com/member_assets/photo/1424823730rossmery_mosquera-website_thb.jpg" style="border: none; box-shadow: none; box-sizing: border-box; height: auto; margin: 0px; max-width: 100%; padding: 0px; vertical-align: middle;" /></td><td style="border-collapse: collapse; box-sizing: border-box; font-size: 12px; margin: 0px; padding: 0px; text-size-adjust: none; width: 15px;" valign="top" width="15"></td><td style="border-collapse: collapse; box-sizing: border-box; color: #111111; font-size: 14px; line-height: 21px; margin: 0px; padding: 0px; text-size-adjust: none;" valign="top"><div style="box-sizing: border-box; line-height: 21px;">
<strong style="box-sizing: border-box;">RossMery Mosquera</strong><br />
Winzone Realty<br />
917-515-9783<br />
<a href="mailto:nyhomeseller@gmail.com" style="background-color: transparent; box-sizing: border-box; color: #002c64; font-weight: 700; text-decoration-line: none;" target="_blank">Contact Me</a></div>
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Ross Meryhttp://www.blogger.com/profile/18049915591192901043noreply@blogger.com0tag:blogger.com,1999:blog-187486236129490358.post-54903494678540027592018-04-24T04:00:00.000-07:002018-04-24T04:00:17.431-07:00Brooklyn NY | Obtener una preaprobación debería ser siempre su primer paso<div dir="ltr" style="text-align: left;" trbidi="on">
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Obtener una preaprobación debería ser siempre su primer paso</h1>
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<span class="cat-links" style="box-sizing: border-box; margin-right: 10px;"><a href="http://www.simplifyingthemarket.com/es/category/buyers/first-time-home-buyers/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="background-color: transparent; box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">First Time Home Buyers</a>, <a href="http://www.simplifyingthemarket.com/es/category/buyers/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="background-color: transparent; box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">For Buyers</a>, <a href="http://www.simplifyingthemarket.com/es/category/buyers/move-up-buyers/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="background-color: transparent; box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">Move-Up Buyers</a></span></div>
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<div class="essb_links essb_displayed_float essb_share essb_template_flat-retina essb_1900769956 print-no" data-essb-button-style="icon_hover" data-essb-counter-pos="" data-essb-instance="1900769956" data-essb-position="float" data-essb-postid="37325" data-essb-template="flat-retina" data-essb-twitter-url="http://www.simplifyingthemarket.com/es/2018/04/16/getting-pre-approved-should-always-be-your-first-step/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" data-essb-url="http://www.simplifyingthemarket.com/es/2018/04/16/getting-pre-approved-should-always-be-your-first-step/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" id="essb_displayed_float_1900769956" style="box-sizing: border-box; clear: both; margin: 1em 0px; width: 650px; word-wrap: normal !important;">
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<li class="essb_item essb_link_linkedin nolightbox" style="-webkit-font-smoothing: antialiased; background-image: none; border: 0px; box-sizing: content-box; display: inline-block; line-height: 1em; list-style: none !important; margin: 0px; outline: 0px; padding: 0px; transform: translate3d(0px, 0px, 0px); vertical-align: middle;"><span class="essb_network_name" style="background-color: rgb(18 , 123 , 182); background-image: none; border-radius: 3px; border: 0px; box-shadow: rgba(0 , 0 , 0 , 0.2) 0px -4px 0px inset; box-sizing: content-box; color: rgb(255 , 255 , 255); display: inline-block; line-height: 1em; margin: 0px; max-width: 0px; outline: 0px; overflow: hidden; padding: 0px; transform: translate3d(0px , 0px , 0px); transition: all 0.2s ease-in-out; vertical-align: middle; white-space: nowrap;"><span style="background-color: white; color: #6b6b6b; font-family: "open sans";">En muchos mercados a través del país, el número de compradores que están buscando la casa de sus sueños, de </span><a href="https://www.simplifyingthemarket.com/es/2018/01/29/u-s-housing-inventory-crunch-continues-list-your-house-today/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" style="background-color: transparent; box-sizing: border-box; color: #00aeef; font-family: "Open Sans"; text-decoration-line: none; transition: all 0.3s;">gran manera ha superado</a><span style="background-color: white; color: #6b6b6b; font-family: "open sans";"> la cantidad de casas para la venta. Esto ha llevado a un mercado competitivo donde los compradores a menudo tienen que sobresalir. Una forma de mostrar que usted está serio en cuanto a la compra de la casa de sus sueños es el obtener una precalificación o preaprobación para una hipoteca antes de empezar su búsqueda.</span></span></li>
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Aun si usted no está en un mercado que es tan competitivo, saber su presupuesto le dará la confianza de saber si la casa de sus sueños está a su alcance.</div>
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<em style="box-sizing: border-box;">Freddie Mac</em> expone las ventajas de la preaprobación en la sección ‘<em style="box-sizing: border-box;"><a href="http://myhome.freddiemac.com/buy/get-pre-approved.html" style="background-color: transparent; box-sizing: border-box; color: #00aeef; text-decoration-line: none; transition: all 0.3s;" target="_blank">My Home</a></em>’ de su página electrónica:</div>
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“<em style="box-sizing: border-box;">Se recomienda de gran manera que usted trabaje con su prestamista para obtener una preaprobación antes que usted empiece la búsqueda de una casa. La preaprobación le dirá cuanto puede pagar y le ayudará a moverse más rápido, y con mayor confianza, en los mercados competitivos</em>”.</div>
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Una de las <a href="https://www.simplifyingthemarket.com/es/2017/10/23/5-reasons-to-hire-a-real-estate-professional-when-buying-or-selling-2/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" style="background-color: transparent; box-sizing: border-box; color: #00aeef; text-decoration-line: none; transition: all 0.3s;">muchas ventajas</a> de trabajar con un profesional local en bienes raíces es que muchos conocen prestamistas que le podrán ayudar en este proceso. Una vez usted escoja un prestamista, necesitara llenar la solicitud de préstamo y proporcionarles información importante en cuanto a “<em style="box-sizing: border-box;">su crédito, deudas, historial de empleo, cuota inicial e historial de residencia</em>”.</div>
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<em style="box-sizing: border-box;">Freddie Mac</em> describe las ‘4 C’ que ayudan a determinar la cantidad por la que usted califica para pedir prestado:</div>
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<li style="box-sizing: border-box;"><span style="box-sizing: border-box; font-weight: 700;"><em style="box-sizing: border-box;">Capacidad:</em></span><em style="box-sizing: border-box;"> Su capacidad actual y futura para hacer sus pagos</em></li>
<li style="box-sizing: border-box;"><span style="box-sizing: border-box; font-weight: 700;"><em style="box-sizing: border-box;">Capital o reserva en efectivo:</em></span><em style="box-sizing: border-box;"> El dinero, ahorros, e inversiones que usted tiene que pueden venderse rápidamente por efectivo</em></li>
<li style="box-sizing: border-box;"><span style="box-sizing: border-box; font-weight: 700;"><em style="box-sizing: border-box;">Colateral o garantía:</em></span><em style="box-sizing: border-box;"> La casa, o estilo de casa, que a usted le gustaría comprar</em></li>
<li style="box-sizing: border-box;"><span style="box-sizing: border-box; font-weight: 700;"><em style="box-sizing: border-box;">Crédito:</em></span><em style="box-sizing: border-box;"> Su historial de pago de facturas y otras deudas a tiempo</em></li>
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Obtener la preaprobación es uno de los muchos pasos que muestra a los vendedores de casa que usted está serio en cuanto a la compra y a menudo ayuda a acelerar el proceso una vez su oferta es aceptada.</div>
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<span style="box-sizing: border-box;">En conclusión,</span></h3>
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Muchos compradores de casa potenciales sobrestiman <a href="https://www.simplifyingthemarket.com/es/2018/01/30/2-major-myths-holding-back-home-buyers/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" style="background-color: transparent; box-sizing: border-box; color: #00aeef; text-decoration-line: none; transition: all 0.3s;">la cuota inicial y el puntaje de crédito</a>necesario para calificar por una hipoteca hoy. Si usted está listo y dispuesto a comprar, tal vez sea gratamente sorprendido en cuanto a su habilidad para hacerlo.</div>
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<strong style="box-sizing: border-box;">RossMery Mosquera</strong><br />
Winzone Realty<br />
917-515-9783<br />
<a href="mailto:nyhomeseller@gmail.com" style="background-color: transparent; box-sizing: border-box; color: #002c64; font-weight: 700; text-decoration-line: none;" target="_blank">Contact Me</a></div>
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Ross Meryhttp://www.blogger.com/profile/18049915591192901043noreply@blogger.com0tag:blogger.com,1999:blog-187486236129490358.post-51616806919448854602018-04-23T04:08:00.000-07:002018-04-23T09:25:49.345-07:00Queens NY | El COSTO de su próxima casa será MENOR que el de la casa de sus padres<div dir="ltr" style="text-align: left;" trbidi="on">
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El COSTO de su próxima casa será MENOR que el de la casa de sus padres</h1>
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<span class="cat-links" style="box-sizing: border-box; margin-right: 10px;"><a href="http://www.simplifyingthemarket.com/es/category/buyers/first-time-home-buyers/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="background-color: transparent; box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">First Time Home Buyers</a>, <a href="http://www.simplifyingthemarket.com/es/category/buyers/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="background-color: transparent; box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">For Buyers</a>, <a href="http://www.simplifyingthemarket.com/es/category/sellers/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="background-color: transparent; box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">For Sellers</a>, <a href="http://www.simplifyingthemarket.com/es/category/interest-rates/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="background-color: transparent; box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">Interest Rates</a>, <a href="http://www.simplifyingthemarket.com/es/category/buyers/move-up-buyers/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="background-color: transparent; box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">Move-Up Buyers</a></span></div>
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<div class="essb_links essb_displayed_float essb_share essb_template_flat-retina essb_1577478097 print-no" data-essb-button-style="icon_hover" data-essb-counter-pos="" data-essb-instance="1577478097" data-essb-position="float" data-essb-postid="37339" data-essb-template="flat-retina" data-essb-twitter-url="http://www.simplifyingthemarket.com/es/2018/04/12/the-cost-of-your-next-home-will-be-less-than-your-parents-home-was/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" data-essb-url="http://www.simplifyingthemarket.com/es/2018/04/12/the-cost-of-your-next-home-will-be-less-than-your-parents-home-was/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" id="essb_displayed_float_1577478097" style="box-sizing: border-box; clear: both; margin: 1em 0px; width: 650px; word-wrap: normal !important;">
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<li class="essb_item essb_link_linkedin nolightbox" style="-webkit-font-smoothing: antialiased; background-image: none; border: 0px; box-sizing: content-box; display: inline-block; line-height: 1em; list-style: none !important; margin: 0px; outline: 0px; padding: 0px; transform: translate3d(0px, 0px, 0px); vertical-align: middle;"><span class="essb_network_name" style="background-color: rgb(18 , 123 , 182); background-image: none; border-radius: 3px; border: 0px; box-shadow: rgba(0 , 0 , 0 , 0.2) 0px -4px 0px inset; box-sizing: content-box; color: rgb(255 , 255 , 255); display: inline-block; line-height: 1em; margin: 0px; max-width: 0px; outline: 0px; overflow: hidden; padding: 0px; transform: translate3d(0px , 0px , 0px); transition: all 0.2s ease-in-out; vertical-align: middle; white-space: nowrap;"><span style="background-color: white; color: #6b6b6b; font-family: "open sans";">No hay duda de que </span><span style="background-color: white; box-sizing: border-box; color: #6b6b6b; font-family: "open sans"; font-weight: 700;"><em style="box-sizing: border-box;">el precio</em></span><span style="background-color: white; color: #6b6b6b; font-family: "open sans";"> de una casa en la mayoría de las regiones del país es mayor ahora que en cualquier momento de la historia. Sin embargo, cuando miramos </span><span style="background-color: white; box-sizing: border-box; color: #6b6b6b; font-family: "open sans"; font-weight: 700;"><em style="box-sizing: border-box;">el costo</em></span><span style="background-color: white; color: #6b6b6b; font-family: "open sans";"> de una casa, es más barato ser propietario hoy de lo que ha sido históricamente.</span></span></li>
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<span style="box-sizing: border-box;">La diferencia entre el PRECIO y el COSTO</span></h4>
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El precio de una casa es la cantidad en dólares que usted y el vendedor acordaron en el momento de la compra. El costo de una casa es el gasto mensual que usted paga con el pago de su hipoteca.</div>
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Para comparar con precisión los costos en diferentes períodos de tiempo, debemos mirar los precios de las casas, las tasas hipotecarias y los salarios durante cada período. Los precios de las casas eran más baratos años atrás. Pero, los cheques de pago también eran más pequeños y las tasas hipotecarias eran mucho más altas (el promedio de las tasas de interés hipotecarias en 1988 era de 10.34 %).</div>
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La mejor manera de medir el COSTO de una casa es determinar qué porcentaje de ingresos es necesario para comprar una casa en ese momento. Eso tendría que tomar en cuenta el precio de la casa, la tasa de interés hipotecaria y los salarios en ese momento.</div>
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<em style="box-sizing: border-box;">Zillow</em> acaba de publicar la <a href="https://www.zillow.com/research/q4-2017-affordability-rising-rates-18978/" style="background-color: transparent; box-sizing: border-box; color: #00aeef; text-decoration-line: none; transition: all 0.3s;" target="_blank">investigación</a> que examinó los costos de una casa utilizando esta fórmula. La investigación compara el porcentaje histórico de los ingresos necesarios para pagar una hipoteca, al porcentaje necesario en la actualidad. También reveló el costo si las tasas hipotecarias continúan aumentando como los expertos predicen. Aquí hay una gráfica de sus hallazgos*:</div>
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Las tasas tendrían que elevarse al 7 % para que el porcentaje del ingreso sea mayor que las normas históricas.</div>
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<span style="box-sizing: border-box;">En conclusión, </span></h3>
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Si usted es dueño de casa considerando vender su casa actual y mudarse a la casa más grande de sus sueños o sea que usted es un comprador por primera vez tratando de comprar su primera casa, es un buen momento para seguir adelante.</div>
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<em style="box-sizing: border-box;">*Suposiciones en el informe de Zillow: El comprador pone 20 % de pago inicia; toma una hipoteca conforme, con una tasa fija a 30 años a la tasa que prevalece en ese momento; gana el ingreso medio del hogar; y está comprando una casa mediamente valorada.</em></h5>
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<tr style="background-color: transparent; border: none; box-sizing: border-box; margin: 0px; padding: 0px;"><td style="border-bottom: 1px solid rgb(221, 221, 221); border-collapse: collapse; border-image: initial; border-left: none; border-right: none; border-top: none; box-sizing: border-box; line-height: 16px; margin: 0px; padding: 9px 0px; text-size-adjust: none;" valign="top" width="100%"><a href="https://www.nycteamrealty.com/property/find/residential" style="background-color: transparent; box-sizing: border-box; color: #002c64; font-size: 12px; font-weight: 700; letter-spacing: 1px; text-decoration-line: none; text-transform: uppercase;" target="_blank">SEARCH ALL HOMES FOR SALE</a></td></tr>
<tr style="background-color: transparent; border: none; box-sizing: border-box; margin: 0px; padding: 0px;"><td style="border-bottom: 1px solid rgb(221, 221, 221); border-collapse: collapse; border-image: initial; border-left: none; border-right: none; border-top: none; box-sizing: border-box; line-height: 16px; margin: 0px; padding: 9px 0px; text-size-adjust: none;" valign="top" width="100%"><a href="http://www.searchallproperties.com/propertyvaluation-plus-one/rossmery12/New+York" style="background-color: transparent; box-sizing: border-box; color: #002c64; font-size: 12px; font-weight: 700; letter-spacing: 1px; text-decoration-line: none; text-transform: uppercase;" target="_blank">HOME VALUATION</a></td></tr>
<tr style="background-color: transparent; border: none; box-sizing: border-box; margin: 0px; padding: 0px;"><td style="border-bottom: 1px solid rgb(221, 221, 221); border-collapse: collapse; border-image: initial; border-left: none; border-right: none; border-top: none; box-sizing: border-box; line-height: 16px; margin: 0px; padding: 9px 0px; text-size-adjust: none;" valign="top" width="100%"><a href="http://www.searchallproperties.com/shortsale/rossmery12/New+York+City" style="background-color: transparent; box-sizing: border-box; color: #002c64; font-size: 12px; font-weight: 700; letter-spacing: 1px; text-decoration-line: none; text-transform: uppercase;" target="_blank">GET AN OFFER IN 24 HOURS</a></td></tr>
<tr style="background-color: transparent; border: none; box-sizing: border-box; margin: 0px; padding: 0px;"><td style="border-bottom: 1px solid rgb(221, 221, 221); border-collapse: collapse; border-image: initial; border-left: none; border-right: none; border-top: none; box-sizing: border-box; line-height: 16px; margin: 0px; padding: 9px 0px; text-size-adjust: none;" valign="top" width="100%"><a href="http://www.searchallproperties.com/nearbysales/rossmery12/New+York+City-347651" style="background-color: transparent; box-sizing: border-box; color: #002c64; font-size: 12px; font-weight: 700; letter-spacing: 1px; text-decoration-line: none; text-transform: uppercase;" target="_blank">MARKET REPORT</a></td></tr>
<tr style="background-color: transparent; border: none; box-sizing: border-box; margin: 0px; padding: 0px;"><td style="border-bottom: 1px solid rgb(221, 221, 221); border-collapse: collapse; border-image: initial; border-left: none; border-right: none; border-top: none; box-sizing: border-box; line-height: 16px; margin: 0px; padding: 9px 0px; text-size-adjust: none;" valign="top" width="100%"><a href="https://www.searchallproperties.com/lcf/rossmery12/Sellers+Guide" style="background-color: transparent; box-sizing: border-box; color: #002c64; font-size: 12px; font-weight: 700; letter-spacing: 1px; text-decoration-line: none; text-transform: uppercase;" target="_blank">SELLER EGUIDE</a></td></tr>
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</td><td style="border-collapse: collapse; box-sizing: border-box; padding: 0px; text-size-adjust: none;" valign="top" width="15"></td><td style="border-collapse: collapse; box-sizing: border-box; padding: 0px; text-size-adjust: none;" valign="top"><table align="center" border="0" cellpadding="0" cellspacing="0" style="background-color: transparent; border-collapse: collapse; border-spacing: 0px; border: none; box-sizing: border-box; font-family: Helvetica, Arial, sans-serif; font-size: 13px; margin: 0px; padding: 0px; width: 100%px;"><tbody style="box-sizing: border-box;">
<tr style="background-color: transparent; border: none; box-sizing: border-box; margin: 0px; padding: 0px;"><td style="border-collapse: collapse; box-sizing: border-box; font-size: 12px; margin: 0px; padding: 0px; text-size-adjust: none;" valign="top" width="30%"><img alt="" src="http://photos.listingstoleads.com/member_assets/photo/1424823730rossmery_mosquera-website_thb.jpg" style="border: none; box-shadow: none; box-sizing: border-box; height: auto; margin: 0px; max-width: 100%; padding: 0px; vertical-align: middle;" /></td><td style="border-collapse: collapse; box-sizing: border-box; font-size: 12px; margin: 0px; padding: 0px; text-size-adjust: none; width: 15px;" valign="top" width="15"></td><td style="border-collapse: collapse; box-sizing: border-box; color: #111111; font-size: 14px; line-height: 21px; margin: 0px; padding: 0px; text-size-adjust: none;" valign="top"><div style="box-sizing: border-box; line-height: 21px;">
<strong style="box-sizing: border-box;">RossMery Mosquera</strong><br />
Winzone Realty<br />
917-515-9783<br />
<a href="mailto:nyhomeseller@gmail.com" style="background-color: transparent; box-sizing: border-box; color: #002c64; font-weight: 700; text-decoration-line: none;" target="_blank">Contact Me</a></div>
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<tr style="background-color: transparent; border: none; box-sizing: border-box; margin: 0px; padding: 0px;"><td align="center" style="border-collapse: collapse; box-sizing: border-box; color: #111111; font-size: 14px; line-height: 21px; margin: 0px; padding: 0px; text-align: center; text-size-adjust: none;" valign="top"><span style="box-sizing: border-box; display: inline-block; line-height: 32px; vertical-align: top;">You Can Also Visit Us At:</span> <a href="https://www.facebook.com/queenshomesonline" style="background-color: transparent; box-sizing: border-box; color: #002c64; text-decoration-line: none;"><img alt="" height="32" src="https://beta.listingstoleads.com/system/images/social_icons/facebook_social_circle.png" style="border: none; box-shadow: none; box-sizing: border-box; height: auto; margin: 0px; max-width: 100%; padding: 0px; vertical-align: middle;" width="32" /></a> <a href="https://www.youtube.com/channel/UCKONVJALBzumIusjUPOzTgg/videos" style="background-color: transparent; box-sizing: border-box; color: #002c64; text-decoration-line: none;"><img alt="" src="https://beta.listingstoleads.com/system/images/social_icons/youtube_social_circle.png" style="border: none; box-shadow: none; box-sizing: border-box; height: auto; margin: 0px; max-width: 100%; padding: 0px; vertical-align: middle;" /></a> <a href="https://plus.google.com/u/0/+RossMeryMosquera/posts/p/pub" style="background-color: transparent; box-sizing: border-box; color: #002c64; text-decoration-line: none;"><img alt="" src="https://beta.listingstoleads.com/system/images/social_icons/google_plus_social_circle.png" style="border: none; box-shadow: none; box-sizing: border-box; height: auto; margin: 0px; max-width: 100%; padding: 0px; vertical-align: middle;" /></a></td></tr>
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Ross Meryhttp://www.blogger.com/profile/18049915591192901043noreply@blogger.com0tag:blogger.com,1999:blog-187486236129490358.post-54440651574559566782018-04-22T09:15:00.002-07:002018-04-22T09:19:21.959-07:00Brooklyn, NY Real Estate & Homes For Sale | Mitos destruidos sobre la compra de casa<div dir="ltr" style="text-align: left;" trbidi="on">
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<header class="entry-header page-header" style="border-bottom: 0px; box-sizing: border-box; color: #6b6b6b; font-family: "Open Sans", sans-serif; font-size: 14px; margin-bottom: 0px !important; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px;"><h1 class="entry-title " style="box-sizing: border-box; color: #00aeef; font-family: "Roboto Slab", serif; font-size: 28px; line-height: 1.1; margin-bottom: 15px !important; margin-left: 0px; margin-right: 0px; margin-top: 0px;">
Mitos destruidos sobre la compra de casa [infografía]</h1>
<div class="entry-meta" style="box-sizing: border-box; margin-bottom: 15px !important;">
<span class="cat-links" style="box-sizing: border-box; margin-right: 10px;"><a href="http://www.simplifyingthemarket.com/es/category/buyers/down-payments/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">Down Payments</a>, <a href="http://www.simplifyingthemarket.com/es/category/buyers/first-time-home-buyers/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">First Time Home Buyers</a>, <a href="http://www.simplifyingthemarket.com/es/category/buyers/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">For Buyers</a>, <a href="http://www.simplifyingthemarket.com/es/category/infographics/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">Infographics</a>, <a href="http://www.simplifyingthemarket.com/es/category/interest-rates/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">Interest Rates</a>, <a href="http://www.simplifyingthemarket.com/es/category/buyers/move-up-buyers/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">Move-Up Buyers</a></span></div>
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<span style="box-sizing: border-box;">Algunos aspectos destacados:</span></h3>
<ul style="box-sizing: border-box; margin-bottom: 10px; margin-top: 0px;">
<li style="box-sizing: border-box;">¡El promedio de la cuota inicial para los compradores de casa por primera vez es solo del 6 %!</li>
<li style="box-sizing: border-box;">A pesar de que las tasas de interes hipotecarias están por encima del 4 %, las tasas de interes todavía están por debajo de los números históricos.</li>
<li style="box-sizing: border-box;">¡88 % de los administradores aumentaron su alquiler en los últimos 12 meses!</li>
<li style="box-sizing: border-box;">El puntaje de crédito requerido para la aprobación de la hipoteca continúa cayendo.</li>
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<tr style="background-color: transparent; border: none; box-sizing: border-box; margin: 0px; padding: 0px;"><td style="border-collapse: collapse; border: none; box-sizing: border-box; margin: 0px; padding: 0px; text-size-adjust: none;" valign="top" width="50%"><table border="0" cellpadding="0" cellspacing="0" style="background-color: transparent; border-bottom: none; border-collapse: collapse; border-image: initial; border-left: none; border-right: none; border-spacing: 0px; border-top: 1px solid rgb(221, 221, 221); box-sizing: border-box; font-family: Helvetica, Arial, sans-serif; font-size: 13px; margin: 0px; padding: 0px; width: 100%px;" valign="top"><tbody style="box-sizing: border-box;">
<tr style="background-color: transparent; border: none; box-sizing: border-box; margin: 0px; padding: 0px;"><td style="border-bottom: 1px solid rgb(221, 221, 221); border-collapse: collapse; border-image: initial; border-left: none; border-right: none; border-top: none; box-sizing: border-box; line-height: 16px; margin: 0px; padding: 9px 0px; text-size-adjust: none;" valign="top" width="100%"><a href="https://www.nycteamrealty.com/property/find/residential" style="background-color: transparent; box-sizing: border-box; color: #002c64; font-size: 12px; font-weight: 700; letter-spacing: 1px; text-decoration-line: none; text-transform: uppercase;" target="_blank">SEARCH ALL HOMES FOR SALE</a></td></tr>
<tr style="background-color: transparent; border: none; box-sizing: border-box; margin: 0px; padding: 0px;"><td style="border-bottom: 1px solid rgb(221, 221, 221); border-collapse: collapse; border-image: initial; border-left: none; border-right: none; border-top: none; box-sizing: border-box; line-height: 16px; margin: 0px; padding: 9px 0px; text-size-adjust: none;" valign="top" width="100%"><a href="http://www.searchallproperties.com/propertyvaluation-plus-one/rossmery12/New+York" style="background-color: transparent; box-sizing: border-box; color: #002c64; font-size: 12px; font-weight: 700; letter-spacing: 1px; text-decoration-line: none; text-transform: uppercase;" target="_blank">HOME VALUATION</a></td></tr>
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Ross Meryhttp://www.blogger.com/profile/18049915591192901043noreply@blogger.com0tag:blogger.com,1999:blog-187486236129490358.post-46342916386113200902018-04-16T06:09:00.003-07:002018-04-16T06:51:54.144-07:00Vendiendo en Brooklyn NY | ¿Qué es el seguro privado de vivienda (PMI)?<div dir="ltr" style="text-align: left;" trbidi="on">
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¿Qué es el seguro privado de vivienda (PMI)?</h1>
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<span class="cat-links" style="box-sizing: border-box; margin-right: 10px;"> <a href="http://www.simplifyingthemarket.com/es/category/buyers/first-time-home-buyers/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="background-color: transparent; box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">First Time Home Buyers</a>, <a href="http://www.simplifyingthemarket.com/es/category/buyers/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="background-color: transparent; box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">For Buyers</a>, <a href="http://www.simplifyingthemarket.com/es/category/buyers/move-up-buyers/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="background-color: transparent; box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">Move-Up Buyers</a></span></div>
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<div class="essb_links essb_displayed_float essb_share essb_template_flat-retina essb_311661664 print-no" data-essb-button-style="icon_hover" data-essb-counter-pos="" data-essb-instance="311661664" data-essb-position="float" data-essb-postid="37222" data-essb-template="flat-retina" data-essb-twitter-url="http://www.simplifyingthemarket.com/es/2018/04/10/what-is-private-mortgage-insurance-pmi/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" data-essb-url="http://www.simplifyingthemarket.com/es/2018/04/10/what-is-private-mortgage-insurance-pmi/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" id="essb_displayed_float_311661664" style="box-sizing: border-box; clear: both; margin: 1em 0px; width: 650px; word-wrap: normal !important;">
<ul class="essb_links_list essb_hide_name" style="-webkit-font-smoothing: antialiased; background-image: none; border: 0px; box-sizing: content-box; font-family: "Open Sans", helvetica, arial, sans-serif; line-height: 1em; list-style: none !important; margin: 0px !important; outline: 0px; padding: 0px !important; transform: translate3d(0px, 0px, 0px);"><span style="font-family: "open sans";">Cuando se trata de comprar una casa, sea que esta es su primera o la quinta vez, siempre es importante saber todos los datos. Con la gran cantidad de programas hipotecarios disponibles que permiten que los compradores compren una casa con un pago inicial de menos del 20 %, usted nunca podrá tener demasiada información sobre el seguro privado de vivienda ‘</span><em style="box-sizing: border-box; font-family: "open sans";">Private Mortgage Insurance’ (PMI por sus siglas en inglés).</em></ul>
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<span style="box-sizing: border-box;">¿Qué es el Seguro privado de vivienda (PMI)?</span></h4>
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Freddie Mac <a href="http://www.freddiemac.com/blog/homeownership/20161109_pmi_questions_answered.html" style="background-color: transparent; box-sizing: border-box; color: #00aeef; text-decoration-line: none; transition: all 0.3s;" target="_blank">define</a> el ‘PMI’ como:</div>
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<em style="box-sizing: border-box;"> “Una póliza de seguro que protege al prestamista si usted no puede pagar su hipoteca. Es una cuota mensual, incluida en el pago de su hipoteca, que se requiere para todos los prestamos conformes y convencionales que tienen menos del 20 % de pago inicial.</em></div>
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<em style="box-sizing: border-box;">Una vez usted crea plusvalía del 20 % en su casa, usted puede cancelar su ‘PMI’ y quitar ese gasto del pago de su hipoteca”.</em></div>
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Como prestatario, usted paga las primas mensuales de la póliza del seguro, y el prestamista es el beneficiario. <em style="box-sizing: border-box;">Freddie Mac</em> pasa a explicar que:</div>
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<em style="box-sizing: border-box;">“El costo del ‘PMI’ varía dependiendo en la relación del préstamo al valor – la cantidad que usted debe en su hipoteca comparado con el valor – y la puntuación del crédito, pero usted puede esperar pagar ente $30 y $70 por mes por cada $100,000 prestados”.</em></div>
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Según la <em style="box-sizing: border-box;">Asociación Nacional de Realtors</em>, el <a href="http://www.realtor.org/reports/highlights-from-the-profile-of-home-buyers-and-sellers" style="background-color: transparent; box-sizing: border-box; color: #00aeef; text-decoration-line: none; transition: all 0.3s;" target="_blank">pago inicial</a> promedio de todos los compradores el año pasado fue del 10 %. Para los compradores por primera vez, ese número cayó al 5 %, mientras que los compradores repetitivos pusieron 14 % (sin duda ayudados por la venta de su casa). Esto solo demuestra que para un gran número de compradores el año pasado, el ‘PMI’ no les impidió compra la casa de sus sueños.</div>
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Aquí está un ejemplo del costo de una hipoteca en una casa de $200,000 con un 5 % de pago inicial & ‘PMI’, comparado con un 20 % de cuota inicial sin “PMI’:</div>
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<a href="http://files.simplifyingthemarket.com/wp-content/uploads/2018/04/19173454/20180410-STM-SPA.jpg?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" style="background-color: transparent; box-sizing: border-box; color: #00aeef; text-decoration-line: none; transition: all 0.3s;"><img alt="¿Qué es el seguro privado de vivienda (PMI)? | Simplifying The Market" class="alignnone wp-image-37234" height="422" sizes="(max-width: 650px) 100vw, 650px" src="https://files.simplifyingthemarket.com/wp-content/uploads/2018/04/19173454/20180410-STM-SPA.jpg" srcset="http://files.simplifyingthemarket.com/wp-content/uploads/2018/04/19173454/20180410-STM-SPA.jpg 2000w, http://files.simplifyingthemarket.com/wp-content/uploads/2018/04/19173454/20180410-STM-SPA-462x300.jpg 462w, http://files.simplifyingthemarket.com/wp-content/uploads/2018/04/19173454/20180410-STM-SPA-1024x666.jpg 1024w" style="border: 0px; box-sizing: border-box; height: auto; max-width: 100%; vertical-align: middle;" width="650" /></a></div>
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Entre más grande sea el pago inicial que usted puede hacer, más bajo será su costo mensual de vivienda, pero <em style="box-sizing: border-box;">Freddie Mac</em> insta a recordar que:</div>
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“<em style="box-sizing: border-box;">Sin duda es un costo añadido, pero es lo que le está permitiendo compra ahora y empezar a crear patrimonio en vez de esperar de 5 a 10 años para acumular suficientes ahorros para un pago inicial del 20 %</em>”.</div>
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<span style="box-sizing: border-box; font-weight: 700;">En conclusión,</span></div>
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Si usted tiene preguntas en cuanto a si usted debería comprar ahora o esperar hasta que usted ahorre un pago inicial grande, reunámonos para discutir las condiciones del mercado y ayudarle a tomar la mejor decisión para usted y su familia.<br />
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Ross Meryhttp://www.blogger.com/profile/18049915591192901043noreply@blogger.com0tag:blogger.com,1999:blog-187486236129490358.post-23865411350606799332018-04-15T09:50:00.003-07:002018-04-15T09:50:19.754-07:00Vendiendo in Queens NY | Las tasas de interés hipotecario han empezado a nivelarse<div dir="ltr" style="text-align: left;" trbidi="on">
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Vendiendo in Queens NY | Las tasas de interés hipotecario han empezado a nivelarse</h2>
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<span class="cat-links" style="box-sizing: border-box; margin-right: 10px;"><a href="http://www.simplifyingthemarket.com/es/category/buyers/first-time-home-buyers/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="background-color: transparent; box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">First Time Home Buyers</a>, <a href="http://www.simplifyingthemarket.com/es/category/buyers/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="background-color: transparent; box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">For Buyers</a>, <a href="http://www.simplifyingthemarket.com/es/category/sellers/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="background-color: transparent; box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">For Sellers</a>, <a href="http://www.simplifyingthemarket.com/es/category/interest-rates/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="background-color: transparent; box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">Interest Rates</a>, <a href="http://www.simplifyingthemarket.com/es/category/buyers/move-up-buyers/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="background-color: transparent; box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">Move-Up Buyers</a></span></div>
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Si usted es un comprador buscando por su primera casa, o un propietario de casa buscando mudarse a su casa siguiente, usted debe prestar atención a donde se están dirigiendo las tasas de interés hipotecarias.</div>
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Durante el curso de 2018, las tasas han <a href="http://www.freddiemac.com/pmms/archive.html" style="background-color: transparent; box-sizing: border-box; color: #00aeef; text-decoration-line: none; transition: all 0.3s;" target="_blank">aumentado</a> de 3.95 % la primera semana de enero a 4.40 % la primera semana de abril, según la encuesta ‘<em style="box-sizing: border-box;">Primary Mortgage Market</em>’ de <em style="box-sizing: border-box;">Freddie Mac</em>.</div>
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A primera vista, la diferencia entre estos números en tan poco tiempo podría ser preocupante, pero si miramos la gráfica a continuación, veremos que las tasas han empezado a nivelarse y han vuelto a la marca establecida en febrero.</div>
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<span style="box-sizing: border-box; font-weight: 700;">¡Esta es una buena noticia para cualquiera que quiere comprar una casa esta primavera! </span>La primavera es siempre una de las estaciones de mayor movimiento para la compra de una casa, y con las tasas aumentando, más compradores han dejado de esperar para ¡asegurar una tasa buena al comprar ahora! Este sigue siendo un gran consejo, ya que los expertos creen que las tasas seguirán aumentando a lo largo del año.</div>
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Cada mes, <em style="box-sizing: border-box;">Freddie Mac, Fannie Mae, la Asociación de banqueros hipotecarios y la asociación nacional de Realtors</em> publican sus proyecciones de donde ellos creen que las tasas hipotecarias van a estar. Si tomamos el promedio de lo que cada una de las cuatro organizaciones está proyectando para el segundo trimestre, <span style="box-sizing: border-box; font-weight: 700;">se espera que las tasas aumenten a cerca de 4.48 % para junio</span>.</div>
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<span style="box-sizing: border-box;">El promedio asciende a 4.73 % para finales de este año.</span></h4>
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<span style="box-sizing: border-box;">Entonces ¿Qué significa esto?</span></h3>
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Esperar hasta el final del año para comprar, con las tasas proyectadas para aumentar, terminara costándole más dinero en su pago mensual hipotecario. Por cada $250,000 que usted necesite pedir prestado para la compra de su casa, usted gastará $49.21 más por mes, $590.52 por año, y más de $17,000 al final de su hipoteca a 30 años.</div>
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¡Y eso es solo el impacto de su tasa de interés aumentando!</div>
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<span style="box-sizing: border-box;">En conclusión,</span></h3>
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Si usted está listo y dispuesto a comprar una casa, averigüe si tiene la capacidad, ¡Reunámonos para evaluar sus necesidades y ayudarle con sus próximos pasos!</div>
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<strong style="box-sizing: border-box;">RossMery Mosquera</strong><br style="box-sizing: border-box;" />Winzone Realty<br style="box-sizing: border-box;" />917-515-9783<br style="box-sizing: border-box;" /><a href="mailto:nyhomeseller@gmail.com" style="background-color: transparent; box-sizing: border-box; color: #002c64; font-weight: 700; text-decoration-line: none;" target="_blank">Contact Me</a></div>
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Ross Meryhttp://www.blogger.com/profile/18049915591192901043noreply@blogger.com0tag:blogger.com,1999:blog-187486236129490358.post-59339397644799957882018-04-11T21:35:00.000-07:002018-04-11T21:35:28.195-07:00Queens, NY Real Estate & Homes For Sale | ¡El mercado de la vivienda de EE. UU. todavía está en un ‘territorio de compra’!<div dir="ltr" style="text-align: left;" trbidi="on">
<img alt="US Housing Market Still In ‘Buy Territory’! | Simplifying The Market" class="single-featured wp-post-image" height="218" src="http://files.simplifyingthemarket.com/wp-content/uploads/2018/04/11152003/20180409-Featured-750x410.jpg" style="background-color: #e9e9e9; border-radius: 4px 4px 0px 0px; border: 0px; box-sizing: border-box; color: #6b6b6b; display: block; font-family: "Open Sans", sans-serif; font-size: 14px; height: auto; margin: auto; max-width: 100%; opacity: 0.8; transition: opacity 0.3s linear; vertical-align: middle;" width="400" /><br />
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<header class="entry-header page-header" style="border-bottom: 0px; box-sizing: border-box; margin-bottom: 0px !important; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px;"><h1 class="entry-title " style="box-sizing: border-box; color: #00aeef; font-family: "Roboto Slab", serif; line-height: 1.1; margin-bottom: 15px !important; margin-left: 0px; margin-right: 0px; margin-top: 0px;">
<span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; color: #6b6b6b; font-family: Roboto;"><span style="font-size: large;">Queens, NY Real Estate & Homes For Sale |</span></span><span style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; color: #6b6b6b; font-family: Roboto; font-size: 14px;"> </span><span style="font-size: 28px;">¡El mercado de la vivienda de EE. UU. todavía está en un ‘territorio de compra’!</span></h1>
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<span class="cat-links" style="box-sizing: border-box; margin-right: 10px;"><a href="http://www.simplifyingthemarket.com/es/category/featured/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="background-color: transparent; box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">Featured</a>, <a href="http://www.simplifyingthemarket.com/es/category/buyers/first-time-home-buyers/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="background-color: transparent; box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">First Time Home Buyers</a>, <a href="http://www.simplifyingthemarket.com/es/category/buyers/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="background-color: transparent; box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">For Buyers</a>,<a href="http://www.simplifyingthemarket.com/es/category/buyers/move-up-buyers/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" rel="category tag" style="background-color: transparent; box-sizing: border-box; color: #6b6b6b; font-size: 13px; text-decoration-line: none; transition: all 0.3s;">Move-Up Buyers</a>,</span></div>
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Según el índice ‘<em style="box-sizing: border-box;"><a href="https://business.fau.edu/departments/finance/real-estate-initiative/bhj-buy-vs-rent-index/bhj-summary/" style="background-color: transparent; box-sizing: border-box; color: #00aeef; text-decoration-line: none; transition: all 0.3s;" target="_blank">Beracha, Hardin & Johnson Buy vs. Rent (BH&J) Index</a>’</em>, el mercado de la vivienda de los Estados Unidos continúa entrando más profundo a un territorio de compra, apoyando la creencia que los mercados de la vivienda a través del país siguen siendo una buena inversión.</div>
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El <em style="box-sizing: border-box;">índice BH&J </em>es un informe trimestral que trata de contestar la pregunta:</div>
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<span style="box-sizing: border-box;">En el mercado actual de la vivienda ¿Es mejor alquilar o comprar una casa?</span></h4>
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El índice examina todo el mercado de la vivienda en los Estados Unidos y entonces aísla las 23 ciudades principales para la comparación. Los investigadores “<em style="box-sizing: border-box;">miden la relación entre comprar una propiedad y crear un patrimonio a través de la acumulación de plusvalía contra alquilar una propiedad comparable e invertir en una cartera de acciones y bonos</em>”.</div>
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Mientras que 13 de los 23 mercados metropolitanos examinados avanzaron más a un territorio de compra, mercados como Dallas, Denver, y Houston se encuentran actualmente sumergidas en un territorio de alquiler. Debido a la escasez de inventario, Los precios de las viviendas en estas áreas aumentaron <a href="https://www.dallasnews.com/business/real-estate/2018/03/06/dallas-area-home-prices-67-percent-january" style="background-color: transparent; box-sizing: border-box; color: #00aeef; text-decoration-line: none; transition: all 0.3s;" target="_blank">6.7 %</a>, <a href="https://www.cpr.org/news/story/denver-home-prices-are-still-climbing-the-good-news-price-growth-is-slowing" style="background-color: transparent; box-sizing: border-box; color: #00aeef; text-decoration-line: none; transition: all 0.3s;" target="_blank">6.3 %</a> y <a href="https://www.houstonchronicle.com/business/real-estate/article/Inventory-tightens-ahead-of-busy-Spring-12755913.php" style="background-color: transparent; box-sizing: border-box; color: #00aeef; text-decoration-line: none; transition: all 0.3s;" target="_blank">5.3 %</a> respectivamente, de hace un año atrás.</div>
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Segun Eli Beracha, <em style="box-sizing: border-box;">Ph.D., Co-Creador</em> del índex, los precios de las viviendas van a empezar a regresar a niveles normales.</div>
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<em style="box-sizing: border-box;">“Nuestros datos indican que los precios están por encima de su tendencia de 40 años, pero no significativamente, así como estuvieron en 2007. En lugar de un desplome, anticipo un crecimiento más lento de los precios acompañado por temporadas de mercadeo más largas para los vendedores y un aumento en los inventarios, lo que debería traer los precios de nuevo en conjunción con su tendencia de 40 años”.</em></div>
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<span style="box-sizing: border-box;">En conclusión,</span></h3>
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La mayoría del país está fuertemente en territorio de compra. Comprar una casa tiene sentido social y económico, a medida que se pronostica que los alquileres van a aumentar sustancialmente el próximo año. Protéjase ahora del <a href="https://www.simplifyingthemarket.com/es/2017/12/19/rents-are-on-the-rise-dont-get-caught-in-the-rental-trap/?a=386514-3dff5efd9f3e5cd233a28944d1cf53ed" style="background-color: transparent; box-sizing: border-box; color: #00aeef; text-decoration-line: none; transition: all 0.3s;">aumento en los alquileres</a> al asegurar el costo de su vivienda con el pago de una hipoteca.</div>
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<span style="box-sizing: border-box; font-weight: 700;">Para saber más acerca de este estudio:</span> <em style="box-sizing: border-box;">El Índice BH&J</em> y otras actividades de bienes raíces de FAU son patrocinadas por <em style="box-sizing: border-box;">Investments Limited de Boca Raton</em>. El <em style="box-sizing: border-box;">Índice BH&J</em> es publicado trimestralmente y está disponible en línea en <a href="http://business.fau.edu/buyvsrent" style="background-color: transparent; box-sizing: border-box; color: #00aeef; text-decoration-line: none; transition: all 0.3s;" target="_blank">http://business.fau.edu/buyvsrent</a>.</div>
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Ross Meryhttp://www.blogger.com/profile/18049915591192901043noreply@blogger.com0