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人屋有緣﹐要惜福﹔搶銀行﹐不犯法

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曾太公 等級：8 留言｜加入好友 文章推薦人 (2) mate : 國會議員大戰奇觀 麥芽糖

引用文章請問區域 曾先生你好，我也居住在南加聖蓋搏華人區，據我了解，本區3房Condo租金行情很少超過3000，即使3-4房獨立屋，月租金多半在2500左右，是否能告知此案例所在區域呢? 謝謝。   4831 W 118th Pl Hawthorne, CA 90250 (MLS # R809023) Bank owned. Newer 3 legal townhouse on quiet street just a few blocks east of El Segundo. Good floorplan, master fireplace, bright kitchen with oak cabinets, formal dining, sunny private patio. 1 minute to 405, easy access to beaches. See agent remarks. Status Active List Price $179,000 Original List Price $296,900 Property Type Detached Condominium Year Built 1990 Bedrooms / Bathrooms 3 / 2.0 Square Feet / Lot Size 1655 / 2051 抱歉﹐本案已經售出﹐就我印象﹐好像搶購熱烈﹐大概是以十四萬多成交（抱歉﹗太公每天修煉地產﹐常常資料多到看得頭昏﹔人是老啦﹗但總算沒昏庸﹐還是找到原始資料）。 太公所見好者﹐經常是一下下就被搶購﹔但是﹐有很多賺錢的好產物﹐也常出現乏人問津﹐一再延標﹐大概主因是美國地太大﹐正巧那時無人有興趣在那兒投資。所以﹐買得到便宜房﹐太公常說是『人屋有緣﹐要惜福』。 您如有興趣投資置產﹐第一步當然是要找有經驗的銀拍屋專家（沒必要﹐就別煩太公﹐蓋太公收費超級高﹐絕對『您吃大肉﹐我吃小魚』﹔分個啥傭金喝碗湯﹐是絕對門都沒的事﹐除非太公是以情﹐而非做生意）﹐再來就是現金準備好（至少採購金有來源証據）﹐方能狠準明快﹐搶銀行﹐不犯法。 這事常常二﹑三天就拍板成交﹐三週至一個月內過戶完成﹐一個猶豫﹐就沒啦﹗太公常讓咱的銀行『友』連連稱謝﹐還問『何日君再來﹖』就是乾脆明快﹐不囉嗦﹐輸贏自負。但是我會看走眼嗎﹖從來沒有發生過的事。 太公近十五年來買房﹐只有一棟例外﹐從不看屋﹐何來看走眼﹖而以德州為例﹐太公兩度買房﹐都是在千里外的聖蓋博定案的﹐不說房子在過戶前沒見過﹐連其城也是第一次聽到的。現在太公馬上要結束德州企劃﹐德州房地近年來每年大概漲個五﹑六趴﹐不到十趴﹐太公的賣價﹐大概依票面額看﹐近日每筆都是四倍於買價﹐所以沒看走眼。 唉﹗都什麼時代了﹐咱們還在學老毛土包子『土法煉鋼』（有人還在聯網上﹐歌頌老毛為聖主好漢﹐讓他們先流口水﹐等他們累了﹐太公再有請拿破崙﹐讓他們瞧瞧自己沒見過世面﹐說有多麼土八路﹐就有多麼鄉巴佬德性）﹐用傅統的方法買房﹖問問太婆﹐太公何曾勞煩房地經紀人﹐載客觀光﹖ 太公最快速成交記錄﹐是從一知有此房﹐到契約寫好成交﹐費時約八分鐘﹐那就是２００１年﹐以２１萬購進阿市一屋﹐在２００３年以５５萬５售出﹐超過二年又一天吧﹐賺的利潤可以不必繳稅。。太公與銀行談判﹐搞得最久的是費時一年一個月﹐在聖馬利諾百萬毫宅區﹐替辜振甫女婿以二十六萬八﹐購得地大一萬五呎﹐三千四百呎四房三浴（後來以７９萬賣出）。這大筆賺﹐太公得到啥麼報償﹖ 您冷眼看台商大賈﹑大陸大款﹐如聖蓋博希爾頓大飯店陳老闆那副德性﹐那有大猶太人或香港人見過市面的杜月笙大哥大作風﹖該知道『人吃肉您喝西北風』的滋味吧﹖所以後來Steve又找太公要『好滴兒』﹐俺只說一句話﹐掉頭離開咱辦公室。那是啥樣一句話呢﹖就是《伊娘列﹐有『好滴兒』﹐俺也不會笨到對你說》。 太公搞地產﹐有一個最根本原則﹐價錢談不攏﹐不必看房﹐浪費時間﹐大家還是好朋友。 註﹕三天前﹐見有一房三臥﹐約一千二呎﹐在東區鑕石吧一帶﹐索價約十五萬﹐是市價三十萬的一半﹔但太公沒興趣那兒﹐就不看啦。當然也不知現況發展。 雲遊去了﹐有緣自聚 本文於 修改第 2 次

引用網址：https://city.udn.com/forum/trackback.jsp?no=50539&aid=3252202

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有那屁股﹐就吃那瀉藥
回應給： 曾太公（et13808）	推薦0

曾太公 等級：8 留言｜加入好友	引用文章有那屁股﹐就吃那瀉藥

引用網址：https://city.udn.com/forum/trackback.jsp?no=50539&aid=3259022

再說一遍﹐您加州人有福喔﹗有老美銀行當老爸
回應給： 麥芽糖（myata）	推薦0

曾太公 等級：8 留言｜加入好友	呵﹗付不出月付貨錢﹐房子遭銀行拍賣﹖就一付苦瓜臉乎﹖ 呵呵﹗人人一提foreclosure﹐就宛如說破產﹐臉綠掉啦﹐一付倒霉衰敗景象。對吧﹖ 呵呵呵﹗人生最美好的事之一﹐就是有個好老爸﹐給您免費住房﹐月月年年不用付房租貸款﹐所有薪水放口袋。這比『事少錢多離家近』還爽﹐對吧﹖ 如果太公說﹐伊娘列﹗老美制度裡﹐在對個人『債權』﹐破產法是私人最好的保護﹐而在對『物權』﹐拍賣法是產物最好的東東﹔一定有人罵太公﹐如尋壬城的大娘﹐說太公『傻人傻文』。對吧﹖ 呵呵呵﹗看來一切脈動﹐沒有超出太公前瞻定見﹐失業率也如三十年代大蕭條一樣﹐開始爬升﹐舊史難不重演。所以﹐太公還是要再繼半年前﹐在老美地產網站發表的文章﹐再說一遍﹐您加州人有福喔﹗有老美銀行要當您『冤大頭老爸』（英文叫“Sugar Daddy or Mommy”）﹐讓您能在未來免費住房三﹑四﹑五年﹐伊娘列﹗這便宜不沾﹐白不沾﹐這三年您省下多少房錢﹐少說也會有個六﹑七萬至十萬﹐不花開支﹐反面觀﹐就是賺入的所得﹐對吧﹖ 三四年後﹐拿這筆錢﹐去買一棟房會有困難嗎﹖需要Credit 嗎? 伊娘列﹗就算您不能驕傲如太婆表妹說﹕『我付全額現金﹐誰要銀行貸款﹖』﹐至少您能理直氣壯﹐對地產經紀說﹕『伊娘列﹗俺付七十趴頭款﹐那家銀行會不借咱三十趴貸款﹖騙肖爺』對吧﹖ 呵呵呵﹐呵﹗太公在老美網站﹐以個人經驗《這也是太公能從一貧如洗（改天上傳個圖片﹐証明啥冰箱家俱都無﹐真是家塗四壁）﹐黨國愛人都不愛﹐重新爬起的契機﹐感恩老天爺上帝阿拉喔》寫下: 05/09/2008 Foreclosure Is Good Stuff for a Market, Isn't It, Marissa? ﹐打得老美專業地產經紀﹑律師個個都低頭﹔再看下面華爾街日報的報導﹐只見其提產物拍賣消極的一面﹐還是真理說一半﹐未能暢言精髓﹐美言及其積極的美景。唉﹗這紐約華爾街共產黨信徒所創造的社會制度﹐比北京來得美妙﹐是多美的共產主義社會﹗ 太公宛爾微笑曰﹕危機就是良機﹐要見機發揮所學﹔飛機一摔﹐處理得宜﹐安降哈得順﹐您就安坐觀禮台﹐觀奧步馬就職﹐否則您算那棵蔥﹖門都沒喔﹗

	State Recession (尚未發行)
	時事評論｜財經	2009/02/02 08:36 ｜瀏覽 1｜回應 0｜推薦 0｜

	Various state laws and private programs have been ineffective to cure foreclosure (尚未發行)
	時事評論｜財經	2009/01/17 22:43 ｜瀏覽 1｜回應 0｜推薦 0

	Obstacles delay REO sales (尚未發行)
	時事評論｜財經	2009/01/28 09:34 ｜瀏覽 1｜回應 0｜推薦 0｜

Employers slash 598K jobs in Jan., most since `74 (AP)

AP - Recession-battered employers eliminated 598,000 jobs in January, the most since the end of 1974, and catapulted the unemployment rate to 7.6 percent. The grim figures were further proof that the nation's job climate is deteriorating at an alarming clip with no end in sight.

(From the WSJ): 

"Preventing foreclosures has become a top priority of politicians, economists and regulators. In fact, allowing foreclosures to happen has merit as a free-market solution to the crisis.

If the intent is to help homeowners, then foreclosure is undoubtedly the best solution. Household balance sheets have been destroyed by taking on too much debt via the purchase of inflated assets. With so little savings, a household with negative equity almost implies negative net worth. Walking away from the mortgage immediately repairs the balance sheet.

Credit may be damaged, but homeowners can rebuild it. And by renting something they can afford, instead of the McMansion they cannot, homeowners are most likely to have some money left over each month that they can save toward a down payment on a house they can eventually afford.

If the intent is to help the credit markets, then foreclosure is undoubtedly the best solution. The securitization model has proven to be flawed. Slicing loans horizontally into tranches created asset classes that have conflicting interests in a dissolution strategy of the same underlying asset. The holder of a senior tranche would be agreeable to modification, since his position is secured; the holder of a junior tranche would essentially be wiped out. The lower tranches are worthless but are still legally an encumbrance, hindering any type of sale or work-out effort.

Consider a property that sold for $500,000 at the peak, financed with a $400,000 first lien and an $80,000 second lien, which is now worth $300,000. The second lien is worthless, but the lien will remain as a cloud which complicates any modification effort by the senior lien holder. There is no incentive for the junior lien holder to voluntarily agree to a modification. Foreclosure would be the best and finite action. It wipes the slate clean."