Common Mistakes When Deciding To Buy A House In A Short Time

If you plan to buy a house within the next 1-3 years, you need to be sure you have prepared a large amount of money including the value of the house and the costs incurred.

In addition to the deposit, you also need to have a sufficient amount of money in your bank account to cover property transfer fees, shipping and repair fees… ensure payment of fees. This does not make your backup fund run out.

If you buy a house for the first time, it is not easy to pay all the above costs, but you must consider securing financial stability before deciding to own a house. The founder of Beyond Your Hammock is also a CFP – Eric Roberge said that when it comes to buying a home people often make the biggest mistake of ignoring minimum costs.

kinh nghiệm mua nhà

“Having just enough to live means not being able to live fully, although it sounds like it, but buying a house will not make your life more magical,” Eric Roberge told CNBC Make It and added: “Like everything else in the world, the feeling of buying a new home will pass quickly, and you will soon return to a normal life”.

In fact, the cost of the house will increase continuously until you can hold the red book in your hand. Not to mention, every year you have to pay 10 – 20% of the value of the house, Cathy Derus, CPA co-founder of Brightwater Financial said. This incurred costs include expected expenses such as mortgage payments, insurance, utility bills and taxes, plus unwanted amounts, such as broken boiler or leaking roof …

Kết quả hình ảnh cho Sai lầm thường thấy khi quyết định mua nhà trong thời gian ngắn

Roberge also warned that you should not accept financial risks that are not worth just to have a home. The expert advises, if you intend to buy a house in the near future, it is best not to “invest in the stock market to grow faster”. “This can be a smart strategy for those who save to buy a home within the next 5-10 years. If you want to buy in the next 1-3 years, it is less wise”, Roberge said.

In order for life not to be overturned by the purchase of a new home, homeowners should have an emergency fund that is easy to access, at least to cover the cost of 6 months of living.

Kết quả hình ảnh cho Sai lầm thường thấy khi quyết định mua nhà trong thời gian ngắn

And although you feel ready to own a new home, if the money you earn is just enough to live, it’s best to keep it until you are completely financially stable. “Being smart with personal finance can be like hiring an affordable home and continuing to save investment for future goals”, Roberge advises.











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5 Grass Stars Worthy Of “Real Estate Giants”

Not only good at football but these stars are also real estate giants.

1. David Beckham

Known as a business player, Beckham encounters many industries to make money. According to Forbes, 2014 is the year David Beckham earned the most money in his career with 75 million USD, surpassing the old peak in 2012 of 51 million USD.

Những ngôi sao sân cỏ nào xứng danh 'ông hoàng bất động sản'? - Bóng Đá

This amount is much larger when he also follows the number of shorts. Part of his success was through real estate business. Beckham couple owns a 4-storey villa in Kensington (West London) for 30 million pounds, not to mention a lot of other lands and apartments.

2. Cristiano Ronaldo

At Real Madrid in particular and the football world in general must give in to losing their minds to make Ronaldo ‘s economy. CR7 owns the top housing assets of the digital shirt industry. Pestana CR7 Hotel, named after himself, was built in his hometown of Funchal, Madeira. He is willing to spend 140 million euros for a 7-star hotel in Monte Carlo, Monaco.

Những ngôi sao sân cỏ nào xứng danh 'ông hoàng bất động sản'? - Bóng Đá

Next is the 4 villas and houses in Cheshire that Ronaldo had while wearing Man United. The latest is a high-class apartment project at the Cocobay Towers twin towers, belonging to the leading Southeast Asian Tourism & Entertainment Complex – Cocobay Da Nang.

3. Lionel Messi

Messi ‘s huge asset group cannot tell all about it but he also encroached on real estate business. M10 invested in the Azahares del Parana project in Rosario, Argentina and a luxury apartment in the city center. It can be said that his investment is quite tight. Because there are many housing projects that have not been published yet.

Những ngôi sao sân cỏ nào xứng danh 'ông hoàng bất động sản'? - Bóng Đá

4. Sergio Ramos

The Spanish midfielder is the boss of Sermos 32 with the main activity being real estate brokerage. From this company, he expanded his dream of real estate business by becoming a major shareholder of the real estate company Desarrollos Inmobiliarios Los Berrocales (DILB).

Những ngôi sao sân cỏ nào xứng danh 'ông hoàng bất động sản'? - Bóng Đá

Although Ramos has only just started to do business in real estate, Ramos is very successful. Real captain’s center-back is cherishing the ambition of separating his own business by learning from the experience of large corporations.

5. Zlatan Ibrahimovic

Zlatan Ibrahimovic invests in real estate in the last years of his career. He poured money into several French and American residences. In addition, Ibra is the boss of the island of Davenso, located between Lake Malaren in western Stockholm, Sweden. This island was bought by Ibra in 2012 for 2.5 million euros. The Swedish star is making careful calculations to do business after he is no longer attached to football.

Những ngôi sao sân cỏ nào xứng danh 'ông hoàng bất động sản'? - Bóng Đá

















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Paradox In The US Real Estate Market

American real estate market members are having a headache because of the situation left behind, when everything should have gone in the right direction, but in fact is not.

The US economy is proving its strength is improving, with “dream” data. The number of jobs increased for 91 consecutive months, pushing the unemployment rate to the lowest level since 2000. Latest unemployment data show that only 3.8% of Americans are unemployed in May. A rare development in the economy also occurs, when the total number of new jobs created is higher than the number of unemployed people.

Besides, the average hourly wage has also reached US $22.59/hour, up 2.8% in May – the strongest increase in nearly a decade. In particular, retail trade is one of the industries witnessing the fastest increase in wages, with an increase of 4.4%. Notably, in the construction sector, which is famous for its low wages, workers also have an average wage increase of 3.6%, reaching $27.50/hour.

Along with rising wages, the total asset value of households in the US also climbed in the last quarter. If before the crisis period, the total assets of all US households were about 66,000 billion USD, then fell to 55,000 billion USD when house prices and real estate market plunged. Currently, this figure has surpassed $ 100,000 billion (at the end of 2017, it is $98,700 billion), when both house prices and stock markets are setting peaks.

Yet, despite the positive economic background, home sales are not growing at all. Even the number of existing houses sold has decreased by 1% since the beginning of the year. The number of newly built houses awaits their owners at a higher level than last year, though still under construction capacity.

Kết quả hình ảnh cho bất động sản Mỹ

Currently, the total sales of new and existing houses are at the same level as in 2000. Specifically, the number of existing houses sold reached 5.2 million units, the number of new houses reached 900,000 units. This number is now 5.5 million units and 650,000 units respectively. Meanwhile, the number of people in the United States has increased by 40 million, with an additional 17 million new jobs compared to 2000. Not to mention, the home loan interest rate in 2000 was about 8% per year, while Currently only about 4.6%/year. So what’s going on?

According to economic experts, the United States is in an abnormal situation, when the real estate market is hot, but home sales do not increase. One of the main reasons is the lack of supply. Accordingly, the US real estate market is flooded with existing houses for sale, but few buyers, because these are large-sized, or high-value apartments, where owners or environmentalists want to trade through their hands to make a big profit.

Kết quả hình ảnh cho bất động sản Mỹ

In addition, the lack of new housing supply also makes current apartment owners worried that once sold, they will not find a suitable new home. This is the reason, in recent years, the average owner time of a house attached to the house is up to 8-10 years.

The real estate market is hot when house prices are constantly increasing, while people still lack the choice to suit their desires and affordability. This is why despite the stable economic development, home sales are not as positive as expected.

Building new homes will create more jobs, boost the local economy, increase tax revenue, make home prices more suitable and increase home ownership rates. This is what the United States needs to do to solve the current situation.








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The West Suppresses The Wave Of Chinese House Buying

The South China Morning Post reported that recently, many Western countries such as Australia, Canada, New Zealand and the UK are no longer eager to welcome Chinese investors – who are blowing up real estate prices, causing residents to live.

Local people are not enough to buy houses. In order to control the wave of real estate speculation created by Chinese investors, these countries have issued many measures to limit the flow of foreign investment into real estate.

According to Global Property Guide, the price increase in many Western markets in the second quarter of 2018 slowed down and only grew by a single digit over the same period last year, mainly due to fever China’s home-buying investment cooled down.

Kết quả hình ảnh cho Giới đầu tư Trung Quốc chuyển đích ngắm sang bất động sản Đông Nam Á

In the second quarter, New Zealand housing prices rose only 5.86%, unchanged from the 5.8% increase a year ago. Therefore, the New Zealand government is about to introduce a bill banning foreigners from buying houses in the country. Known in August, the New Zealand parliament adopted this bill.

In New Zealand, the influx of foreigners, especially Chinese real estate collectors, has pushed home prices in Auckland, New Zealand’s largest city, nearly doubled in nearly 10 years. Housing prices in this city are too expensive that many local people are worried and insecure. The New Zealand Real Estate Institute said that the average housing price in Auckland increased from New Zealand’s $496,000 in April 2012 to New Zealand’s $850,000 in April 2018. Housing ownership rates are at their lowest level since 1951. Specifically, only 25% of people in this country are under 40 years of age owning houses compared to 50% in 1991.

Kết quả hình ảnh cho Giới đầu tư Trung Quốc chuyển đích ngắm sang bất động sản Đông Nam Á

Also in the second quarter, UK house prices rose only 2.19%, down from 2.81% in the same period last year. The UK real estate market slowed down because the government wanted to tax foreigners to buy real estate here. In September 2018, British Prime Minister Theresa May announced that the British cabinet is considering imposing 1-3% tax on purchases of foreigners’ purchases in the UK.

Kết quả hình ảnh cho Giới đầu tư Trung Quốc chuyển đích ngắm sang bất động sản Đông Nam Á

In addition, many Canadian cities such as Vancouver and Toronto have also increased taxes on foreigners’ home purchases this year, helping Canadian real estate to significantly reduce heat. According to Global Property Guide, housing prices in 11 major cities in Canada increased by only 0.41% in the 12 months prior to the third quarter of 2018. Meanwhile, in 2016 Chinese people rushed to buy houses in the city. Vancouver, making the price of housing in this city escalate at a rate of 30% per month compared to the previous year.










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Hong Kong Home Prices May Drop To 25% By The Trade War

No longer is the risk, the trade war between the US and China has actually erupted when consecutive American pressure up import tariffs for Chinese goods. List of taxes that focus on the products being put on the plan “Made in China 2025 “, including products related to information technology and robots.

In a new report was released, Jones Lang Lasalle (JLL) said that if the trade war between the United States and China continue to escalate and stock markets continue to slide, the expensive housing prices in Hong Kong will lose at least 15% in the year 2019.

This number can be increased up to 25% if the Hong Kong Government not to evaluate and adjust the measures to cool down the property market, Joseph Tsang – General Manager Hong Kong JLL.

Giá nhà ở Hồng Kông có thể giảm ít nhất 15% vào năm 2019 do chiến tranh thương mại

The price of housing in Hong Kong has increased 3 times since the global financial crisis in 2008, there were 63% higher than the peak of the market in 1997. However, the growing unrest around the city’s economic prospects was expressed through the 1.4% rate in the last 2 months.

At present, the people of Hong Kong to buy a second apartment is charged 15% of the 15% fee and a stamped seal specifically applies to the unit in sold within 3 years.

Giá nhà Hồng Kông có thể giảm đến 25% do chiến tranh thương mại

The Hong Kong Government has been adopting measures such as reducing the rate of guarantee (LTV) and impose higher tax rates in an effort to reduce heat in housing markets. These policies have made real estate trading volume dropped to low levels in history, but still not enough to pull back prices and could help the city’s housing market “safe landing“.

Chiến tranh thương mại: Cân sức mạnh kinh tế Mỹ và Trung Quốc

“The failure to adjust existing measures will not only seriously affect the price that also can cause serious consequences for the economy. We recommend that the Government of Hong Kong to remove the special stamp policy and consider the application of dual seal policy and guarantee, Tsang said.












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Many Houses In Rural Area Of Japan Are Being Sold At A Price Equal To 0

Many people in Japan are giving away their homes in rural areas. The people who are home owners only have to pay land tax.

In Japan, there are more and more abandoned homes because there is no managed care. Channel CNBC said that the status of the population is increasingly greying and shrinking has led many towns and villages became empty.

The Chief economic expert Rajiv Biswas is in charge of the Asia – Pacific region of the IHS Markit considered that, in the coming three decades, Japan will face the economic and social impact from the problems of population elderly.

On the online sale site called “Akiya Bank” (Akiya Japanese term is used to refer to the vacant house) has put many lyrics for sale area real estate in the country at affordable prices even for free. Home buyers need only pay rent the land under the applicable law in Japan that does not have to pay the costs for home owners.

Kết quả hình ảnh cho người dân nhật bản cho không nhà

Local authorities and the community established many Akiya website to better manage the supply and demand of houses being vacant in the countryside.

The owner of the real estate sector dropped could not take care of their property, or do not want to hand in any property taxes are to be applied in Japan for a house they don’t use so they want to return to the others housing needs. The new owners only have to pay taxes and commissions for agents or brokers.

The free houses usually require to be upgraded because being old and degraded. However, some local authorities such as Tochigi and Nagano currently have pension program for renovating the house deserted.

According to statistics, by the year 2013, the number of vacant homes in Japan are 8,196 houses, constituting approximately 13.52 per cent in total housing of “the country of cherry blossoms”. The vacant houses focusing mainly in the rural town, but this phenomenon has now started to appear in the suburbs and the larger cities of Japan.













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Reversing The Seoul Apartment Market Discount

According to the report by The Korea Herald, the apartment price in Seoul has soared to the highest price of the real estate history in the first 6 months of the year 2018, then it began reversing goes down.

Specifically, The Korea Herald said that the sale price of flats in the southern region and the center of South Korea have soared to around from 500 million to 1 billion won. This number is passing the old peak level which was set in the year 2016. The apartments at the Gangnam – one of the most famous rich houses of Seoul, are sold at the price from 80 to 90 million won per pyeong (equivalent to 3,3m2).

Thị trường căn hộ tại Seoul đảo chiều giảm giá

However, the real estate consultant Park Sangeon considered that the mentality of investment for the market prospect has weakened considerably from the third quarter of this year. It is really easy to understand in the context of more information as well as predictions about the tax policy of the Government of South Korea for owners of a great deal of expensive apartments and housing in the coming year.

Thị trường bất động sản Hàn Quốc bên bờ vực

In the last November, the volume of Seoul apartment transaction reached 3,586 houses. It lessens nearly 60% when compared with 10.118 houses which was sold in October. This is also the lowest level since August in the year 2013.

When sharing with The Korea Herald, a real estate broker said that: “The sales of flat selling in November this year is similar to five years ago, it shows a degradation of the medium term and the long term in the psychology of investors and the sale price”.

Kết quả hình ảnh cho thị trường căn hộ seoul

The area south of Seoul is leading the market in terms of speed sale price slump. According to the data of the appraisal of South Korea, the price of apartments in some districts such as Gangnam, Seocho and Songpa, Gangdong-gu is average 0.14% reduction during the last week of November.

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Real Estate Trading In Asia Pacific Reached To $81 Billion

According to the latest report “Global Capital Flow” of JLL, the real estate transactions in Asia Pacific reached to $42 billion in the second quarter, 26% higher than the same period in 2017.

In the first 6 months of 2018, the amount of transactions reached to $81 billion, up 29% over the previous year and this is the highest level recorded so far.

This growth was driven by the ongoing recovery in the developed markets such as Australia and Japan, along with the long-term growth of emerging markets. The amount of investments in most of the largest markets have recorded a positive growth in the first half of the year. Especially, the top developed countries today such as Hong Kong, South Korea and Australia emerged with the average growth speed is 110% compared to 2017. Despite the decline in the second quarter, in overall these activities is still go up 3% in China and 7% in Japan thanks to the solid foundation of these countries.

However, the new markets are developing are the places having the most growth potential with many influencing factors such as the lack of transparency is the largest motivation to develop. The major markets with diverse demographics such as India, Indonesia and China, are a key foundation for the sustainable development of the region in the future.

Kết quả hình ảnh cho Real Estate

Many Asian regional markets have integrated the whole element of positive factors for the sustainable growth of the real estate. Typically, such as India, Indonesia and Vietnam had a total population of 1.3 billion people, 261 million and 93 million people in respectively, rising middle class, urbanization speed quickly, a young population and improved transparency.

Kết quả hình ảnh cho Real Estate

According to Mr. Stephen Wyatt said that: “India, Indonesia and Vietnam are continuing to demonstrate good growth rates in order to attract foreign investment in all real estate portfolios. The market is very promising in recent times due to the increased purchasing power, retail spending growth of consumers and the population of the municipality was enlarged and the youth demographic”.

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The Best Real Estate Websites in 2018

A 2018 survey reported that 51% of buyers located their homes online, 30% managed to find their homes through an estate agent, and a mere 7% found their homes through an open house or yard sign. Therefore, if you are selling a house, it needs to be available online. However, which real estate websites should you consider? Below, you will find the top-rated real estate websites in the world.


Zillow is best for renters, buyers, sellers, and finding mortgage lenders and agents. Whether you are browsing, selling, or buying, you’ll find that Zillow has something for everyone. Should you decide to list your house on Zillow, you’ll receive a sales proceeds calculator, the estimated value of your house, news feed, and innovative tools to assist you in pricing your home more accurately. is best for renters, buyers, sellers, and finding mortgage lenders and agents. Those that wish to sell on can easily calculate the value of their home, discover how to start the process of home-selling, and even learn how to select an agent for all their specific needs correctly. is also licensed by the National Association of Realtors which means the content can be trusted.


Redfin is best for finding agents, sellers, and buyers. Redfin will assist you in selling your home for a 1% listing fee. With the entry package, you will receive assistance from a local Redfin agent, a 3D walkthrough, professional photos, premium placement on the website, a yard sign, and even an open house. If you are willing to pay 2%, you’ll also receive a home improvement plan, project management cost coverage, vetted service providers, deep cleaning, decluttering, and professional staging.


Trulia is best for finding agents, sellers, and buyers. Trulia does more than just static listings. They provide insights from people that live in the neighbourhood to provide potential buyers with neighbourhood map overlays to get a better understanding of the community. You can also see recently sold houses and the home values within the community to see if you’re getting a decent deal. You will also receive advice from brokers, real estate agents, and more.


MLS is best for realtors, sellers, and buyers. MLS is essentially a free multiple listing service for professionals in real estate and real estate listings. You can list houses for sale, resale homes, new homes, acreage, new constructions, land, lots, investment property, and commercial property.


CENTURY 21 is best for finding agents, sellers, and buyers. Are you aware that buying a house involves over 20 different steps before the contract will be accepted? With CENTURY 21, the real estate agents will walk you through every single step to make the process more convenient. You’ll add value to your house before you decide to sell, create a marketing plan, set the correct price, and ensure your house is showcased at its best. With this company, you can experience a full-service and traditional approach when it comes to real estate.

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Why are so many millennial’s living at home?

Nearly 23% of millennials aged from 24-36 years old are commonly being see living at home with their parents. While older generations might equate this behaviour to laziness or lack of motivation – there are some reasons why this phenomenon is happening at the rate it is. Though, it wasn’t always like this. Just back in 2005, that number was only 14 percent.

Unlike historical normalises, more and more younger people are living at home after they either finish school or are having a hard time starting a life of their own. This is mainly due to the current housing market constantly outpacing the wages that these millennials are earning. No matter if the millennial in question has a college degree or not – many jobs are only paying minimum wage, and the costs to either buy a home or rent a home are increasing double what millennials are even making a month.

Proof in the Census

Census has shown that this year – homeownership numbers for people aged under 35 has hit the lowest its been in twenty years. Even if millennials decide that they would want to rent a home or an apartment, the costs for rent have been increasing by hundred almost every month. However, this factor does depend on the living area of the millennial. In urbaner metropolitan areas – the rent does tend to be higher than in suburban area. Though with the rising costs of the housing market, many jobs and governments are refusing to raise the minimum wage limit to something that will be livable for a millennial with or without a college education.

However, despite the increase of millennials at home, people in this age group do hold the power of shaking up the housing market in their favour. While they can save money living at their parents’ home and actively avoid buying or renting a home, companies are eventually going to be forced to lower the rent prices of and even possibly their homes. This is imperative if millennials are to be inclined and comfortable to take the plunge of moving out from their parents’ home into one of their own. Another solution to this problem is having governments raise the current minimum wage to something that is livable. Seeing how prices are always going to rise and falter in todays economy.

Millennials Struggling with Home Ownership

Moreover, many of the millennials who are current homeowners or renters – live in the suburbs where they were able to find a home without paying a lump sum of money. This is due to the fact that many homes in the suburbs lack what homes in metropolitan areas do: community gym and swimming pools, restaurants within a few minute walk, and a area with events that are always going on. If more millennials are looking for a way to move out of home and become truly independent, then they should consider looking at homes in more suburban areas. Usually, they will be able to find a good starter home that doesn’t require any renovations – though millennials are going to have to give up being close to the city if they want to make this change.

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