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Comprando una casa: El costo de esperar

Comprando una casa: El costo de esperar

Buying a Home: The Cost of Waiting | Keeping Current Matters

Si usted es un comprador por primera vez o que está comprando algo más grande, usted debe mirar las proyecciones que los expertos en la vivienda están haciendo en cuanto a dos áreas principales: Los precios de las casas y las tasas hipotecarias.

LOS PRECIOS

Más de 100 economistas, expertos en bienes raíces e inversiones & estrategas del mercado fueron encuestados recientemente. A ellos se les pidió que dieran sus proyecciones en cuanto hacia donde se dirigen los precios de las casas. El valor de apreciación promedio que proyectaron durante los próximos doce meses fue aproximadamente del 4%.

LAS TASAS DE INTERÉS HIPOTECARIAS

En su último Economic & Housing Market Outlook, Freddie Mac predijo que las tasas hipotecarias fijas a 30 años pueden ser del 4.8% para esta época el próximo año. La semana pasada, la tasa de Freddie Mac era de 4.14%.

¿Qué significa esto para usted?

Si usted es un comprador por primera vez mirando una casa con precio de $250,000 esto es lo que le puede costar a usted en una base mensual si usted espera para comprar hasta el próximo año:

Slide1

Si usted está mirando para comprar algo más grande con un precio de $500,000 esto es lo que le puede costar en una base mensual si espera para comprar hasta el próximo año:

Slide2

En conclusión

Con el aumento de juntos, los precios de las casas y las tasas de interés, el comprar ahora en vez de esperar tal vez tenga más sentido.

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Summer 2014 | Things to Consider When Buying a Home | Keeping Current MattersATENCION: si usted es un agente de bienes raíces buscando por más información para compartir con sus compradores de porque ahora es un buen momento para comprar, regístrese Gratis para una prueba gratis por 14 días de KCM y descargue la edición del verano de nuestra eguia, Things to Consider When Buying A Home. (Tambien disponible en español)


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7 comentarios
  1. Mike
    Mike Dice:

    This is the same Freddie Mac who predicted in June of 2013 that we would be at 4.4 on a 30 year mortgage by today. Beware of so called «experts» and the lack of accountability they have to consumers. Fear as a sales tactic is dead. Consumers are on an equal basis. It used to be «Buyer Beware»…. now it should be «Seller Be Aware»..

    Credibility has a higher standard in the tech age where all have access to info. Work harder to deliver value.

    Responder
    • Steve Harney
      Steve Harney Dice:

      Mike,

      Great point about trusting the projections by experts. No one knows for sure what the future will bring.

      However, if our readers ask whether they should buy now or wait, whose projections do you suggest we use?

      As far as using fear as a ‘sales tactic’, the blog is free and no one working at KCM has a real estate license (meaning we don’t list nor sell real estate). Not sure what you think we’re trying to sell the real estate consumer.

      We are just trying to give the best advice we can on the current housing market to our 100,000+ monthly readers.

      Responder
      • Jim Swanson
        Jim Swanson Dice:

        Steve.

        KCM is doing a great job getting the data put together for us to share. I am a Realtor and although I do agree with Mike that predictions have not really gone the way they were expected, KCM has not been the one making predictions. As a Realtor I do share your information with my own spin/disclaimer regarding past predictions. I let folks know the experts have not been too accurate in the past, but since rates going up makes perfect sense, we need to keep that possibility in our thoughts.

        The reality for me is that there is going to be a point where home affordability will suffer and then we will see a market shift of sorts. There is so much that goes into knowing what is going on in the economy that it may be impossible to truly make accurate predictions. We recovered «jobs» but those jobs are not paying wages equal to the ones we lost.

        As for «fear tactics», I do not use them. I think maybe a small part of our real estate community uses them, but if «we» do not educate our clients with the «what-ifs» and the that stuff happens…. well then we are called names too. We have to do the best job we can for our clients so that they are successful. Only then will we be successful.

        Thanks Steve!!!!

        Responder
    • Jon
      Jon Dice:

      I would ask you Mike; if we as Realtors don’t use the predictions of economic experts in our field what then would we use when someone asks us a question about buying next year? or next month? A crystal ball?

      No one has that answer, period. Scare tactics, hardly. How about we call it information. The truth is that interest rates have been artificially low for some time. They may not go up, but they might. Predictions are just that. Educated guesses.

      Currently, a conventional loan here in MN for someone with a credit score above 750 is roughly 4.125%. For others it will be higher. I would say, considering the myriad factors that have an affect on long term interest rates, that’s not too bad for a guess.

      Geez, I hope you don’t write letters to your local weather guy….

      Responder
    • Clint
      Clint Dice:

      Mike, we’re not that far off from the 4.4 on the 30 yr and some borrowers are higher than that pending their loan level pricing adjustments. Rates are rising, no question about it over the long trend (6 months plus time line.) There are little dips and spikes in the short run, days to weeks, but those that I told to buy in Spring of 2013 when rates were in the mid to low 3% range are kicking themselves for holding out. We haven’t broken back below 4.125% w/out paying for it on 30 year money since May of last year, buying now makes more sense than holding off assuming the numbers work for you now. Holding off too long will greatly increase the price of the home as well as the cost of the money used to purchase it and it will have a crippling impact to buying power. It’s not a matter of «if,» it’s a matter of «when.»

      Responder
  2. mary.payne@homestreet.com
    mary.payne@homestreet.com Dice:

    KMC – I live in a market (Spokane, WA) where the average home price is less than what is always used in your graphs and examples. My first time buyers are in the $80,000 to $150,000 range – NOT the $250,000 example above. And our Move Up Buyers are more like $200,000 to $300,000 – NOT the $500,000 to $520,000 above. It’s frustrating that your graphics always depict scenarios way out of reach for many markets. Could you create graphic selections based on different markets? I realize the dollar increase in payments would not be as dramatic, however it would still make an impact on the consumer in their price range. I love your content and find it very practical, but it does many of us no good because we can’t share it and have it hit home (no pun intended) for our readers. Please consider this as you are creating content.

    Responder

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