Interesting video, 阿迪! Great job. The cost of housing in the US really differs depending on location, coastal areas, rural vs urban, etc. I think it would take longer for the average first buyer to get a decent house in the Pacific Northwestern, within 30 minutes commute to a major city- Portland, Seattle, Boise, etc. As of late, there seems to be a lot of action happening in the housing market. Prices are high. With the impact of Covid, and many information-based jobs (think F.A.N.G. jobs) which allow for work from home, a lot of people are leaving the expensive city, selling their homes (if they have one) and finding cheaper housing in rural areas. This also means that rural areas are experiencing an influx of people from the city, and this logically leads to housing prices going up in the countryside. Politics, Social Movements, Inflation, and rising Crime are also big factors that are affecting the recent housing flux in different areas. You make a good observation about the price difference between mortgage payments and rent. I think buying and renting out a home in the US is a good way to make passive income. The rent is much higher there. You'd do well financially if you can invest in property in the US, both residential (single house), or multi-family housing (apartment units). You could hire a property management company to take care of the rental and maintenance as well. The cost of a Taiwanese home vs. what you could rent it out for, on the other hand, is not very attractive. Rent is super cheap here in Taiwan. I'm paying less renting a big house in Miaoli than what some of my friends are paying in Oregon for property taxes, on a home that they already own! Great video. Peace to you and yours!
We are in Hawaii, and our household income is actually much higher than average income on the island, yet we probably will never be able to own a single-family-home. Down payment itself would be 300k if we want to put down 30%, which would be the almost cost of a house in mainland 😭
I don't know about other states. California helps out a lot for first time homebuyers if they meet income requirement. For instance, some program will help to pay 10% of down payment, and if you live in the house for 20 years, you don't have to pay it back. At the same time with the recent low low mortgage interest, houses were being overbid left and right. It was a crazy housing war for several months.
I think 阿滴 could invite Kristi again to talk about her job in Tesla, which is pretty fascinating to people in Taiwan I guess :) Support the series of this kind of content 🙂 really intriguing!
You can try interviewing from other states as well, single family houses are way less expensive than Bay area and life experiences are greatly different and interesting i would say
Great video! Kristi's assessments were spot on! Another significant difference between buying a house/property in the US and Taiwan is the mortgage interest rate. Recently April-May-2022 it seems to be in the 6% range, while in Nov 2020 it was a bit below 3%. While in the 1980s it was over 10%. So this can influence the monthly payments significantly! Perhaps Taiwan rates are in the 1.3% range? Or my data might be mistaken, apologies if so? And since Covid, housing prices have been increasing due to low inventory and many people relocating. One big challenge is really saving up for a down payment of at least 20%, but any more that can be paid towards the down payment the better to bring down the mortgage and monthly payments. At 6% mortgage interest over 30-years, that is approximately $600/month per $100K borrowed. It can add up if one has to borrow more. So for a $1M home, 20% down still leaves $800K to borrow for the mortgage: ~$4800/month payments, then another $12K/year property tax (~$1K/month) - and some basic guidelines is for the mortgage payment to be no more than 30% of your monthly income: which I think comes out to about a $200K annual salary to support that monthly mortgage payment. Which is again on top of having the $200K down payment to pay in the first place. Down payment funds can come from various sources, some folks have family help, along with savings, but in high-tech field, stock options or RSUs (stock plans) can make a significant contribution. Especially if the company stock increases in value. But in the absence of the stock benefit... it can be challenging to save up $200K while still paying rent or other loans - and for the Bay Area, high cost of living (gasoline currently about $6/gallon!) Thank you for all the great videos! Enjoyed your appearance on 鬧著玩娛樂 also!
Same here, bought a brand new condo in the South Bay last year. 5% down payment so it only took me 2 years to save the down payment but mortgage + PMI + HOA are super expensive
阿滴訪問的 Kristie 是在 Tesla 裡面做 data analysis 而且他也有說是在 South Bay Area which is Los Angeles county. 一般薪水有年薪10萬以上。加上 townhome 跟 single family house 是完全不同的價位。single family house in Torrance 都快要百年的屋齡 需要翻修的也非常多 除非自己會動手自己處理一些翻修工程不然養房是幾乎不可能的事情。
@@yvonnehuang1006 The South Bay is a region of the Los Angeles metropolitan area, located in the southwest corner of Los Angeles County. The name stems from its geographic location stretching along the southern shore of Santa Monica Bay.
The best way to describe your property tax is the township has the appraisal guy to estimate your value of the house for taxing purpose. Most likely if you paid for 1.2M for the house, your appraisal price will fall in $1M bracket, so in California 1.25% , I think will based on the $1M. Some states like New Jersey, the property tax is around 3%, majority are paying for the school system. That's why Location location location, sometimes means the school raking. unless you will enter the boarding school which you might don't care about that.
In the states, we often say Location, location, location, 不同地方不同房價.真的很難比較.更無法預估工作幾年就可買房.畢竟工作income，down pay and cost of housing 都是變數. 可知的是統計上美國人花1/3的收入在rental or mortgage 上
從看身邊普通家庭出身的美國朋友學貸卡債一個接一個，從驚訝一些同事live paycheck to paycheck存款0到習以為常，因為大環境經濟狀況通膨飛漲，生育率創新低，房價炒房天價和一直以來極度匱乏的健保制度，我已經覺得慶幸自己能在大城市生存稍微還算是幸運，所以就這個…一般美國人…的定義呃……….買房平均速度，還拿買房當投資的機率，真的笑哭了呃
她用home 的地方，我們在美國其實習慣用house Townhome--->townhouse Single family home--->single family house Condo--多數和apartment building很像差在產權是不是自己的 La的south bay 跟north California 的south bay 是不一樣的 價錢也是不一樣的 但灣區要吃珍奶要開20分鐘的車---哇她是住在哪個偏遠的城市啊？🤔印像中南灣華人多的地方應該是不需要這樣啊
I live in socal near LA and owns a condo too. I agree with other comments that the video is a little misleading. It’s not as easy as it sound to buy and own a property in Cali. Maybe more practical compare to Taiwan. But a lot of factors are in determining if the bank will lend you money or not such as your credit score, debt to income ratio, etc.
First Kristi, how is your English so perfect when you’ve only been here for 4 years? Amazing. Second, South Bay Area is arguably the most expensive area in the USA. If you were to buy a home in a more average area (outside of California) it would be even more affordable. But the rent is too damn high.
Interesting video, 阿迪! Great job. The cost of housing in the US really differs depending on location, coastal areas, rural vs urban, etc. I think it would take longer for the average first buyer to get a decent house in the Pacific Northwestern, within 30 minutes commute to a major city- Portland, Seattle, Boise, etc. As of late, there seems to be a lot of action happening in the housing market. Prices are high.
With the impact of Covid, and many information-based jobs (think F.A.N.G. jobs) which allow for work from home, a lot of people are leaving the expensive city, selling their homes (if they have one) and finding cheaper housing in rural areas. This also means that rural areas are experiencing an influx of people from the city, and this logically leads to housing prices going up in the countryside.
Politics, Social Movements, Inflation, and rising Crime are also big factors that are affecting the recent housing flux in different areas.
You make a good observation about the price difference between mortgage payments and rent. I think buying and renting out a home in the US is a good way to make passive income. The rent is much higher there. You'd do well financially if you can invest in property in the US, both residential (single house), or multi-family housing (apartment units). You could hire a property management company to take care of the rental and maintenance as well.
The cost of a Taiwanese home vs. what you could rent it out for, on the other hand, is not very attractive. Rent is super cheap here in Taiwan. I'm paying less renting a big house in Miaoli than what some of my friends are paying in Oregon for property taxes, on a home that they already own!
Great video. Peace to you and yours!
Thank you for the insight!!
It’s 阿滴啦！XD
@@rayduenglish Sorry, 阿滴
We are in Hawaii, and our household income is actually much higher than average income on the island, yet we probably will never be able to own a single-family-home. Down payment itself would be 300k if we want to put down 30%, which would be the almost cost of a house in mainland 😭
I don't know about other states. California helps out a lot for first time homebuyers if they meet income requirement. For instance, some program will help to pay 10% of down payment, and if you live in the house for 20 years, you don't have to pay it back. At the same time with the recent low low mortgage interest, houses were being overbid left and right. It was a crazy housing war for several months.
一直很喜歡這種跨國訪談不同國家生活型態、文化的影片
志祺也常做，我覺得這類訪問實際居住在當地的人，一些深入的議題，確實可以更加了解不同地區的利弊，也更方便自己評估個人需求後，做出對自身更有利的決定
支持阿滴可以不定期做這類訪談
真的很高興阿滴做這一集關於買房! 來賓也很棒! 高房價和買房是許多人的心聲，買房也有許多英文單字和術語。
因為新冠肺炎這兩年美國的房價變的更高，去年利率降低反而買家之間競爭激烈，對首購族形成壓力，美國的確租房和房貸是一樣貴的，長期來看買房比較有利於個人財務規劃。
分享我今年三月剛在美國買房的經歷:
1.作功課 : 問自己準備好買房了嗎？買房的動機?首付存夠了嗎？有時間看房嗎？自己耐心夠嗎?(因為不會一次就看中房子) 有信任的房仲嗎? 關於買房的疑問有人能幫你解答…
2. 行動: Pre-Approval 銀行批准買房貸款，有這項才能知道自己能負擔的房價，預約房仲看房
3. 看房: 看房有分open house 和 房仲帶你去看，我選後者，都是在Refin房屋網站看到價格範圍內的房子然後請房仲預約時間看房(Home tour)
4. 出價: 這應該是最緊張的一部分，因為疫情許多買家為了要得標(win bid) ，在買賣契約中去除條件 (waive contingencies ), 在疫情前買家會保留一些權利(finance, inspection, appraisal contingency )
但因為現在是賣方市場 (seller's market ) ，房屋僧多粥少，買方若不乾脆， 賣房會不想賣，所以去除買家保護條件的人大有人在! 出價也最好在自己能負擔的範圍內，否則市場價差(appraisal ) 差價需要由買房補齊。
5. 競標，失標，得標 (Lost bid and win bid )
沒人想被拒絕，但一次出價就得標的心態千萬不要有!因為看房的人太多了，屋主為什麼要選你? 你給的錢最多就會贏?這都是不一定，我有遇到屋主失業需要錢所以選現金給最多的，我落標三次，第四次奇蹟般的被選中♡♡♡♡我是2/20得標，之後辦理房屋貸款。
6.房屋交易完成 (Close the home!)
這大概花了三個禮拜，銀行要最後確認個人財務稅務皆齊全，此事千萬不能犯下財務錯誤，例如申辦另一個貸款，不能申請信用卡和買車，否則銀行不會把房貸批准。
7.開心搬家!♡♡♡♡♡♡♡
以上是我在美國的經驗，祝各位買房順利成功
Kristi 豪美😍房子豪讚⋯⋯還有口音好好聽🥰🥰🥰 求更多訪問系列
跨國訪談很有趣阿滴可以多做這個系列~ 還有Kristi的英文跟人都好漂亮啊
想看在美國工作方式（各行各業都可以）跟台灣的比較，可以多了解當地的工作方式，這集的比較感覺很棒，謝謝阿滴非常喜歡這類的主題👍👍👍
房子跟主人好像 有氣質又溫暖～
在美國四年英文就可以講的這麼好 不知道怎麼做到的？
@@andyhsu1044 她是國外大學英文翻譯學系畢業的碩士
美國多數「一般薪資的人」會投入薪資的很大比例買房或支付高額管理費，但相對的他們也犧牲掉很多生活上的其他享樂。
比如我認識的多數美國民眾很少出國玩、很少外食，假日就是帶小孩去山上或出去運動。
他們也幾乎不存錢。
老了小孩都搬走，他們再把房子賣掉換成小小的套房，用剩下的錢養老。
許多台灣民眾以為住美國就是生活變好，其實那只是因為能留在美國的台灣人多數薪水或家境都不錯。
這篇中肯
確實大部分都是很不錯的家庭過去的
中肯 我有親戚住美國也是同樣的情況尤其是老一輩的
中肯，我常聽人說哇，感覺在美國的台灣人都過得很好。那是台灣會移民美國的大部分本來就有錢。。。我同學沒有家庭資助，讀醫讀完光學貸都50w了還賺著住院醫師的一年6w，所得稅後4w。不用說首付，連租房都得跟別人分才住得起。
@@rjkbuny 美國學貸真的很可怕，那是台灣人很難以想像的高。很多台灣人都有爸媽靠所以在美國讀書沒有學貸，畢業後爸媽還幫忙出買房的錢，但一般的美國人只要唸名校，多數都是自己貸款的。（因為美國人並不認為小孩大學的錢全數是爸媽要負擔）
畢業是拼死工作還錢，哪還有可能考慮買房。
Townhouse 就台灣的聯排透天厝啦! 共用一面牆或兩面牆; HOA home owner association 確實是社區管理費
謝謝阿滴，很棒的訪談👍「物以稀為貴」我相信不只台灣，香港、新加坡應該都有差不多的問題，簡單來說就是土地不夠大🤣🤣，這是先天物理條件上的劣勢，當然後續還包括住宅環境、人口密度、貧富差距、土地炒作⋯⋯等問題，房價降不下不是一兩天的新聞了，「人為」的問題永遠需要人來解決，扣掉都會區，郊區買房相對容易，這就是我說的供需以及土地大小的問題⋯⋯，北美、加拿大、俄羅斯、非洲，房價從來就不是人生難題選項。
新加坡住宅問題沒有台灣大陸韓國這些國家大吧
是Kristi！！！！！
之前很喜歡聽她voice tube的口說挑戰！！！！！
美國存4年買房，真的要看薪水跟地區。美國很大，每個州的稅率，平均薪資，房價也差很多。加州灣區是個房價，租金跟薪資都跟全美平均相差許多的地方，Kristi 在 Tesla 的待遇應該是還不錯，如果是非科技業的人，在北加灣區大概要存個30年 😅
對的！ 加州有housing crisis, 普通人在灣區也很難買房子！
其實一個國家的房屋購買能夠控制在10年內,這對國家中小型產業發展比較好.買房容易 開店就容易 至少做生意壓力一開始不會那麼大 人人都做得起生意
推 灣區房價真的很激烈QQ
完全中肯 😂
史上最中肯😭
我也在加州工作四年 卻離買房子十萬八千里遠😭
這個形式的訪談真的好棒可以下一集敲碗在美國的薪資及生活的費用大約是多少嗎? 謝謝阿滴
標題感覺好吸引，房子也好美～😊
阿滴的皮膚敏感有好一點嗎？～🥰😁😆
身為在灣區住了10多年的女子 又是在銀行上班的人
真心覺得average買房的時間沒有影片中來的這麼符合？
因為是灣區- 多得是科技新貴，就連影片中的Kristi都說她是Tesla上班的， 外加她是買在Florida不是灣區 (不同州/區的房價差很多）
現在灣區不管townhouse 還是single family都直接1M起跳了，隨便一個down都要15W 美金
這其實也可以想成在台灣外商公司上班的人買房也不難存到頭期款吧
也有很多人收入沒有到median income那就更別說買房這件事了….
可是還是恭喜買房，還是努力朝這目標前進中😂
聽他說他搬來加州兩年了，然後一年前買了房子，所以應該就是買在她住的 South Bay. 然後 1.25% property tax 也比較像加州的數字，FL 會低不少。
的確僅靠一份薪水在灣區沒任何支援下買房子滿困難的，灣區房價這兩年漲太多了，而且還要抱著幾十萬asking price去搶房
@@evilsudoku8084 沒錯， Tesla 薪水無法跟 maang 比。
Mortgag + property tax + hoa + insurance $5000 的話 也差不多 1M 了吧
當然也看 down payment..?
@@evilsudoku8084 因為她已經結婚了，所以頭期款可能是兩個人集資也說不定。
跨國訪問能讓我不出門就能知道很多不同國家生活差異，很棒欸
平衡打擊一下 補充一個沒提到的點就是房貸利率
台灣房貸利率目前大概是1.6左右
美國最近因為FED升息的關係 30年固定利率已經漲破5.0了而且還持續的在上漲中
以貸款100萬美金來說
利率1.6的本利和大約是126萬
利率5.0的本利和大約是193萬 已經將近是本金的2倍了
沒錯，所以有人甚至於是從台灣貸款去買美國房子還比較划算
K大補充正確
我再補充一點
台灣房貸利率是跟著央行升息走 現在1.6%左右（2022.05)
在台灣持有房地產的人 房貸利息都會跟著動
而美國房貸利率雖然FED一直升息所以持續上漲 但辦房貸可以選擇綁約幾年的固定利率
幾年前早買的話就早點鎖住低利率 這種方案就不會受FED升息影響 月繳房貸金額就不變動
阿滴趕快去掛一下Taiwan needs help的廣告，上次募資不是還有剩嗎？
阿滴要不要考慮訪一下住在房價世界第一貴的香港人?
然後你就會發現那座壓力山不止是一山還有一山高 而且是沒有最高只有更高 (;w;)
4年是因為ktisti真的在好公司會賺錢很厲害。60k一年的房屋支出不吃飯沒別的支出一年所得稅前至少也得賺8-9w。美國的所得稅比起台灣真的很可怕，平均家庭（還不是個人）收入也才6w，稅後一個月都只剩3.5k了。以美國標準的買房薪水比例(税前最多28%繳房貸），能買得起一個月5k的房子每年得賺至少21.5w，而且這還不包括首付。所以真的是kristi厲害，一般人做不到的。
聯邦稅10%+州稅約
扣完後....沒多少可用
如果分租一間房間 便宜的也要1000美元
所以要存到頭期款20%買美國房子 沒那麼容易
@@user-tj5kc6em2u 是啊，而且10%還只有一年賺1w以下的，除了州稅有時候還有市稅，聯邦稅還加上social security/medicare/medicaid。基本上工資x2/3才是能拿到的
影片很棒讓我們了解到不少東西也可以練習英聽: ) 但其實最後還是會要看你的能力! 收入多或少跟住的房子大或小也會有差別~ 反正就是努力吧朋友們加油
居住洛杉磯的我… 只能說如果你是中產薪水5-8萬的話(還好扣20%的稅）….不管你是4年還是9年你都存不到一筆20%的downpay來買一個50-60萬最便宜的房子… (除非你在存錢的時候跟爸媽住,吃爸媽的,不出門玩）
高薪一點的，繳完所有的稅都只剩下一半多一點了。沒爸媽靠的話哪有可能這麼快在大都市買房。
LA area has homes for $500-600K? Maybe in Compton lols. I don’t think so man
希望能聽到教育制度的差異性 謝謝製作這麼棒的節目
恭喜阿滴要看房了～ 不管在哪裡我覺得租或買房都是好大的負擔QQ
討論美國的主題猛欸 很多可以開拓！
哇 是之前Voicetube口說挑戰的Kristi嗎😳 超喜歡他的口音～
補充一下：我是南灣軟體工程師＋房地產經紀人, 在南灣1m的房子根本不到中位數, 甚至1m根本很難買到好房子, 美國的貸款利率比台灣高太多, 地稅也很高, 持有成本非常高, 現在灣區的租售比也非常差, 唯一的房產優勢大概就是漲勢驚人, 但現金流不好, 加州有比南灣現金流好很多的地方, 但是漲幅可能就比較緩慢 (即便如此也比台灣房價漲幅大). 投資房產的話, 我個人還是更喜歡美國, 但生活便利程度來說, 還是台灣的生活更舒服.
房子好漂亮！ 喜歡這樣的主題 也學到一些新單字☺️
身為住在美國大都市的人，這個訪問內容聽起來很魔幻，有種平行宇宙的感覺
這不是一般美國中產階級的人的現實 😂
真的，以前在波士頓當實驗助理，賺得錢只夠4個人一起拼一個地下室兩房一衛😂
突然想到可以跟國外的英文教學youtuber 做collaboration 耶
我現在住在日本 所以常會看日本的教英文的youtuber
日本最紅的應該是Kevin’s english room 人口數破億的日本，但他們訂閱數竟然比阿滴低 阿滴贏了！
戴眼鏡的主角Kevin 是美國長大 跟著在日本長大的小夥伴 一起學習正港美語 蠻有趣的
有另一組蠻可愛的是 studyIn ネイティブ英会話
女生みっちゃん是來來回回日本美國生活
男生清家 有來台灣留學過
他們的主打是希望大家可以快樂學習英文
有蠻多有趣的短片的
希望可以看到你們跨國合作～
有夠喜歡Kristi的口音~黃金獵犬好乖好可愛~好希望能開個頻道 (誤哈哈
喜歡這個系列~
感覺是讀書的時侯就在母語者環境，發音超級像母語者
台灣很需要這種訪談節目,了解別的國家相對的也會了解自己國家. 其實這樣的教育更好 不知道台灣現在的教育是不是這樣的形式 我知道我那時代不是這樣 所以學起來很乾
台灣房價都看市區當然很貴
但說真的...如果不看市區
改看市區外圍或周邊區域
除了可以買到更大的房子外
也可以省下不少錢
假設台灣人都跟美國人一樣願意花單程兩小時通勤上班，也可以買到便宜的房子啊。
這個影片有出現很多沒有聽過的英文單字，這一類的影片實用性較高，感覺可以有更多後續的影片產出
我之前也看過美國朋友的房子，真的好........大!那種大是住在台灣的我們無法想像的
Hi Kristi❤️❤️❤️
Good to see u here 👍👍👍
這系列的分享真的超實用❤️❤️
纠正播主：美国的房产税不是直接按照市价来计算的，它是按照每个地方政府的标准，我们可以称为“计税价值”，通常来说，计税价值会比市场价值来得要低一截，而且计税价值受政策影响，因为美国自住房可以申请“税务限制”，税务限制后的房子在计税价值不受市场升值影响，例如现在一栋房子的市值是100万美元，其计税价值可能只有50-60万，然后税率是按照计税价值来计算的。不同州采取的税率不同，加州比较低，只有1.25%；德州比较高，2.5%-4%不等，新房税率最高。别看德州那么吓人，实际上由于加州的房价远高于德州，而且德州不征收个人所得税，所以真实的负担可能德州更低一些。
你好～ 阿滴哥
請問你對營利資格被UA-cam取消有了解嗎？
暫停期間，最好應該做些什麼呢？
我的頻道剛剛被暫停營利，希望被看到 謝謝🙏
北加 南加房價差很多 在美國人公司 和華裔公司上班的薪水也差很多 . 加州房價在多金的中國人用現金買房 房價都漲了好多了 鼓勵阿滴多多採訪不同層級的人 可以讓你多了解在美 華裔的生活
注意：3.6年是指有足够的存款够付20%的down payment(首期）以及有足够的信用记录（在美国贷款需要查信用记录），并不是3.6年的钱就能够买一套房。后面还需要还款15-30年的。
在美国买房，除某行业从业者外，正常人类应该避开如下几个地区：加州、纽约、DC、西雅图外加全美各地所有华人聚集的社区
喜歡訪問系列！想特別看不同職業的訪談～～
我還是喜歡台灣的居住雖然小旦超方便 一條街之外就是夜市 我超愛的~
我反而想看看在美國生活工作的人搬回台灣FIRE的生活。在美國工作了快20年，最近很有這個衝動！！ 拿著退休金在台灣慢活好好的享受生活！！
謝謝阿滴 很喜歡這個系列!
內容很實際很實用
這樣的對話對我來說也比較能有效率的學習英文(比較日常對話的感覺)
可能類似的對話聽多了 裡面的單字就比較容易記得
當然本身也是有對美國和買房有興趣的所以會認真聽
這類跨國訪談很好，讓我們直接知道更多當地的事，學到更多日常英語，支持繼續做這個
感些阿滴拍這類型的訪談
深入的議題讓我們一窺實際的外國生活型態
BTW Kristi的聲音好好聽喔!!!
这边平均年薪按100k算的话，省会城市买一套100平方米的房子，不吃不喝要20年左右。大概这样子。北京上海广州深圳这些地方要70年左右，除非年薪在400k以上可能会好一些。
"I definitely miss the convenience."
Yes, that is ture !!!
我住在亞特蘭大，基本上沒車就出不了門，晚上想吃個東西，只有麥當勞，而且開車10分鐘，超級想念台灣的便利性和食物。
I think 阿滴 could invite Kristi again to talk about her job in Tesla, which is pretty fascinating to people in Taiwan I guess :)
Support the series of this kind of content 🙂 really intriguing!
喜歡這一片，好實用。condo 那些一直搞不懂好久了，今天終於搞懂了！
謝謝阿滴！想要聽在美國買房子可以殺價嗎？怎麼找房仲（會建議找外國人還是中文的）美國有實價登錄嗎？怎麼知道房子應該是多少錢
嗨 我最近買房子 我有留言分享我的經歷 有美國是實價登錄 房仲找能信任溝通的 妳可以找西雅圖的台灣女房仲Ellen 雖然我是找美國人房仲，但如果中文房仲比較讓你放心的話，Ellen 人不錯
You can try interviewing from other states as well, single family houses are way less expensive than Bay area and life experiences are greatly different and interesting i would say
Great video! Kristi's assessments were spot on!
Another significant difference between buying a house/property in the US and Taiwan is the mortgage interest rate. Recently April-May-2022 it seems to be in the 6% range, while in Nov 2020 it was a bit below 3%. While in the 1980s it was over 10%. So this can influence the monthly payments significantly! Perhaps Taiwan rates are in the 1.3% range? Or my data might be mistaken, apologies if so?
And since Covid, housing prices have been increasing due to low inventory and many people relocating.
One big challenge is really saving up for a down payment of at least 20%, but any more that can be paid towards the down payment the better to bring down the mortgage and monthly payments.
At 6% mortgage interest over 30-years, that is approximately $600/month per $100K borrowed. It can add up if one has to borrow more. So for a $1M home, 20% down still leaves $800K to borrow for the mortgage: ~$4800/month payments, then another $12K/year property tax (~$1K/month) - and some basic guidelines is for the mortgage payment to be no more than 30% of your monthly income: which I think comes out to about a $200K annual salary to support that monthly mortgage payment. Which is again on top of having the $200K down payment to pay in the first place.
Down payment funds can come from various sources, some folks have family help, along with savings, but in high-tech field, stock options or RSUs (stock plans) can make a significant contribution. Especially if the company stock increases in value. But in the absence of the stock benefit... it can be challenging to save up $200K while still paying rent or other loans - and for the Bay Area, high cost of living (gasoline currently about $6/gallon!)
Thank you for all the great videos! Enjoyed your appearance on 鬧著玩娛樂 also!
Same here, bought a brand new condo in the South Bay last year. 5% down payment so it only took me 2 years to save the down payment but mortgage + PMI + HOA are super expensive
房子好美!裝潢也很有品味! 🥰🏘
1) apartment doesn’t meant rent in NYC. Apartment很多种啊。有condo, 有coop(NYC specific), 有rental building. 都是apartment. 2) 并不是美国的property tax都是以房地产价格作为标准。在纽约，是以租金为标准。3）rent and mortgage是很相近。但问题是，你还要给property tax and maintenance (HOA)啊。你如果只是首付3成甚至高达五六成，在东西海岸高价地区都是没有办法用租金cover支出的。以前yield比较好的地方，例如Florida, Texas, Arizona都因为疫情关系涨价了。
恭喜阿滴要買房了，其實台灣的房價真的貴的可怕，很快就漲了，加上現在的薪資低，所以導致很多人買不起房子
期待阿滴买房后的开箱
讚 希望能多拍 英文訪問 👍
其實美國買房一點都不便宜，一般單身十萬初年薪已經是高於美國很多州的平均收入了，2022年想在西岸想要買到townhome 或house, 還要和一堆買家競爭+20-50美金都有可能. 所以沒$$現金，你連搶房都搶不到. 這篇採訪太以偏概全了，沒有什麼在美國買房很容易的
可能阿滴訪問的是賺蠻多錢且高學歷份子，當然不可能每個人都容易，台灣是連高薪族群買房都很貴...
阿滴訪問的 Kristie 是在 Tesla 裡面做 data analysis 而且他也有說是在 South Bay Area which is Los Angeles county. 一般薪水有年薪10萬以上。加上 townhome 跟 single family house 是完全不同的價位。single family house in Torrance 都快要百年的屋齡 需要翻修的也非常多 除非自己會動手自己處理一些翻修工程不然養房是幾乎不可能的事情。
不意外，台灣人最喜歡拿這樣的個例代表整個美國
@@twboy2000 South Bay Area is San Jose
@@yvonnehuang1006 The South Bay is a region of the Los Angeles metropolitan area, located in the southwest corner of Los Angeles County. The name stems from its geographic location stretching along the southern shore of Santa Monica Bay.
九妹已經在準備開箱滴阿滴新房了
請問阿滴可以拍一期是有關於為何及如何去美國工作及轉換成永久居住的心路歷程及步驟之類的嗎?
謝謝阿滴很棒的節目 筆記筆記~
The best way to describe your property tax is the township has the appraisal guy to estimate your value of the house for taxing purpose. Most likely if you paid for 1.2M for
the house, your appraisal price will fall in $1M bracket, so in California 1.25% , I think will based on the $1M.
Some states like New Jersey, the property tax is around 3%, majority are paying for the
school system. That's why Location location location, sometimes means the school raking.
unless you will enter the boarding school which you might don't care about that.
很喜歡這個不同方式的英文課! 雖然用工作年數計算買房不太合理 是來賓太強
所以期待阿滴買房子!!台灣真的就是便利出門就得吃了
In the states, we often say Location, location, location, 不同地方不同房價.真的很難比較.更無法預估工作幾年就可買房.畢竟工作income，down pay and cost of housing 都是變數. 可知的是統計上美國人花1/3的收入在rental or mortgage 上
This is a good topic about the real estate in the US, good job
BTW, HOA fees means Home Owner Association fees
I’m in Los Angeles. Actually it’s super expensive to buy a house here. Your friend is lucky because she has a pretty good job.
通常沒打算住個三年, 除非房價漲很快, 買房不合算. 單單賣房時付給房仲就要3~5%. 有小孩的, 大多都會搬到郊區和買棟有庭院的房子. 美國是實坪數(不包括庭院), 35坪就幾乎是在台灣的50坪+了. 另外中產階層想找好學區,找猶太人比例高的社區就蠻有競爭的.
喜歡看跨國採訪 希望有不同國家 謝謝阿滴～～
什麼時後要再taiwan can help一次
好喜歡這集😍😍開眼界了
喜歡這類內容！❤️
還可以練英聽～
喜歡這種內容~~
想看阿滴訪談 台灣跟西方國家的科學氛圍差異
事實上沒差那麼多，美國也有很貴的地方，再來她在tesla工作基本上算頂尖了，職位也不差，你如果拿台積電聯發科裡面中高階職缺9年的薪水，買房也是綽綽有餘了．美國超級便宜的其實是車子～
很有趣~
這種內容非常棒！可以更了解在那邊生活的感受，以及一些很有趣的不同點。
特別是那個apartment，完全的出乎意料XD
想問Kristi 是先到美國念書 才能拿到工作簽 然後在佛州與加州工作各待兩年? 還是沒有在美國先念研究所 直接就應徵當地工作? 謝謝~~
Property Tax 在美国是按州算。加州算是相对来说低的而德州整体来说算高的。各个城市也在大部分情况下在加市的 Property Tax。
從看身邊普通家庭出身的美國朋友學貸卡債一個接一個，從驚訝一些同事live paycheck to paycheck存款0到習以為常，因為大環境經濟狀況通膨飛漲，生育率創新低，房價炒房天價和一直以來極度匱乏的健保制度，我已經覺得慶幸自己能在大城市生存稍微還算是幸運，所以就這個…一般美國人…的定義呃……….買房平均速度，還拿買房當投資的機率，真的笑哭了呃
阿滴的口音真的很嗨XDD 很想念滴妹在阿滴英文講英文欸~~~
阿滴老師 8:26 的部分 有色人種 是man of colored 還是說color就可以帶過不會有文法上或是理解的錯誤
加州買跟租看學區看坪數還是可以每個月差到3-5千美金的，不想修繕打理房子、不想找房客或室友同住、不想降低生活品質、不想把股票賣掉、不想把每月收入花光還是選擇繼續租房…
住紐約，隨便一個兩房的大樓，每個月光管理費就一千多塊美金。說每個人工作幾年就可以買房⋯⋯我覺得太小看美國的房價物價了。
@@NanaA4420 真的只有畢業就年薪15w＋夫妻一起存才可能，而且kristi說之前邊存錢租房還一個月3.5k，所以要不是爸媽贊助要不就得賺得超多才可能
@@rjkbuny 對啊，所以這影片裡的內容有點誤導，說不定她有一個高薪的另一半。
多少美國人一個月薪水扣完稅還可以付這麼多房子的錢然後還要生活？
@@NanaA4420 真的，美國平均家庭薪水，還不是個人薪水，也就6w，繳完稅可能也就3.6-4w，不用說房貸，光首付邊租房都存不了
她用home 的地方，我們在美國其實習慣用house
Townhome--->townhouse
Single family home--->single family house
Condo--多數和apartment building很像差在產權是不是自己的
La的south bay 跟north California 的south bay 是不一樣的 價錢也是不一樣的
但灣區要吃珍奶要開20分鐘的車---哇她是住在哪個偏遠的城市啊？🤔印像中南灣華人多的地方應該是不需要這樣啊
我也在美國，不曉得是地區差異還是只是個人習慣，看到不少地方也是用home，例如townhome、single family home。體感比例上還是house比較多，但home也不少見。
個人經驗分享一下。
哈，我也是聽得覺得怪怪的
美國的區域差異很大，之前都是住在鄉下地方，地大、房子便宜。西岸比較不會有種族議題。東岸某些大都市的房地產稅更高
謝謝阿滴，想聽跨國找工作
我覺得我學到condo 跟house 有什麼差別，還有原來apartment 是這麼用的！
不覺得學到這些才是這影片的重點嗎
阿滴可以搬去美國啊 感覺以後也很多素材
加州州政府最近有一個新的政策（Forgivable Equity Builder Loan） 只要你是該區的中低收入戶, 又是首購族, 那政府貸給你房價的10%的貸款,5年內不用還錢, 住滿5年免還貸款, 換言之, 如果是北加州價值100萬的condo, 政府送你10萬美..只要符合資格！（灣區的中低收入戶定義是年薪12萬以下就是..)
I live in socal near LA and owns a condo too. I agree with other comments that the video is a little misleading. It’s not as easy as it sound to buy and own a property in Cali. Maybe more practical compare to Taiwan. But a lot of factors are in determining if the bank will lend you money or not such as your credit score, debt to income ratio, etc.
喜歡跨國訪問～～～有收穫
啊滴我现在位于密歇根州哦 我来美12年了然后我今年22岁跟我老公结婚了 去年的8月买了Condo 美金6万8 1000平方英尺 因为没找到合适的house house就是有自己的车库啊 自己的后院全院啊 隐私更好一点 但是condo旁边是有邻居的 我们买的condo是最边边上的没在中间那种所以只有右边才有邻居
我们downpayment只需要6k美金哦
跟你住的地段不一样condo就会不一样的价格 我们condo 两房一厅一厨 还有地下室 有一个小的backyard
你需要证明自己工作能力 至少两年
工作模式，或是基本上在美國的工作跟在台灣有甚麼差別，謝謝阿滴讓我們了解關於美國買房的事，真的是跟台灣差很多ㄟ！到底台灣房價是在高什麼......
想看美國的工作方式或是台灣人如何在美國找工作的影片
請問 【順便】/【順道】如何翻譯？不是對話裡的那種【順帶一提】（speaking of which/by the way etc. ）
First Kristi, how is your English so perfect when you’ve only been here for 4 years? Amazing. Second, South Bay Area is arguably the most expensive area in the USA. If you were to buy a home in a more average area (outside of California) it would be even more affordable. But the rent is too damn high.
省瑞請教Kristi的房子有多大時，珍珠以爬到省瑞身上的方式被省瑞抱住出現跟大家問候。
Canada housing price keep rising, I am trying to buy one in Toronto, but maybe can only rent one for now which is still expensive.
Kristi 太仙了吧