渝中区moko美甲加盟电话多少钱(临汾市海豚湾美甲加盟电话多少钱) (今日更新中)

If you’re a potential homebuyer eyeing interest rates and real estate listings, you might be scratching your head. Mortgage rates are historically low, which means the cost of borrowing is cheap. However, home prices are up in all areas of the country, according to the most recent data from the National Association of Realtors.Whether you’re a first-time buyer on a budget or you have a large down payment and a high income, nobody wants to lose money on real estate.Unfortunately, there’s no simple answer to the question of whether to buy or not to buy. For one, real estate is local. So, although home values continue to rise in every region, there are unique differences among states, cities and even neighborhoods. But there are some indicators homebuyers can plug into their own personal situation that can help them get a better handle on how well current market conditions line up with their goals.Related: Compare Personalized Mortgage Rates From 6 LendersMortgage Rates Could Start Rising With a Coronavirus VaccineA big wake-up call for mortgage borrowers came Monday when Pfizer announced preliminary results indicating its Covid-19 vaccine candidate is highly effective, causing markets to surge. Following the announcement, 10-year Treasury yields and mortgage rates both shot up.If the U.S. government approves the Pfizer vaccine, mortgage rates likely will start to rise, experts predict. This would exacerbate an already expensive housing market.“If the vaccine is approved, I would expect Treasury bond yields to move above 1% by 2021,” says John Lonski, markets economist at Moody’s Analytics. Ten-year yields are currently below 0.90%. “A vaccine will lead to an upturn in economic activity and business activity. Even if the Fed keeps the federal funds target in the current range, yields will rise, which means mortgage rates will, too.”Lower rates means more buying power; however, the large gains in home values have canceled out monthly savings. In fact, comparing starter home prices in the fourth quarter of 2019 with current starter home prices and their respective mortgage rates, today’s buyers will pay slightly more in monthly payments but could save tens of thousands of dollars in total interest paid.Home Prices Are RisingMedian single-family home prices climbed in all 181 metropolitan statistical areas tracked by the National Association of Realtors (NAR), according to its latest report. The double-digit year-over-year gains were most prominent in the West (13.7%), followed by the Northeast (13.3%), the South (11.4%), and the Midwest (11.1%).Median home prices on existing single-family homes shot up to 3,500, 12% higher from this time last year. This means that home prices are growing four times as fast as median family income.“Favorable mortgage rates will continue to bring fresh buyers to the market,” said Lawrence Yun, chief economist at NAR. “However, the affordability situation will not improve even with low interest rates because housing prices are increasing much too fast.”A colossal 65% of the areas measured (117 areas out of 181) saw double-digit price growth year-over-year.Although there’s strong growth in both urban and suburban areas, the data shows that less densely populated places are still performing better than packed cities in terms of homes sales and values. But some economists warn that with a vaccine on the horizon, the economy will snap back quickly thanks to a strong foundation going into the pandemic and could leave some homeowners with buyer’s remorse.“People are frightened. They’re running out of cities and going to suburbs. This fear-driven demand for housing is dangerous,” says Lonski, the Moody’s economist. “What happens to housing when Covid-19 is behind us? A lot of people will discover that they paid a little too much for homes. Unless you absolutely have to move, you should take a cautious approach to buying a home right now.”Look to New Construction to Help Slow Home Price GainsHousing affordability has been an issue for a few years now as residential construction has lagged behind demand, creating an enormous imbalance in the market. At the beginning of 2020, construction was picking up but Covid pushed a pause button on activity.The good news is that new residential construction is beginning to ramp up again. In September, housing starts were up by 11% year-over-year. According to the recent Dodge Data & Analytics 2021 Construction Outlook, U.S. construction starts are projected to increase by 4% next year, to 1 billion.“Construction has recaptured some of the momentum it lost at the beginning of the year, so that will be good for inventory,” says Danielle Hale, chief economist at Realtor.com.Hale says that inventory is really the only thing that can hit the brakes on rapid price growth, discounting other possibilities like baby boomers downsizing and expanding the pool of inventory as a meaningful solution.“As far as boomers moving and downsizing, we haven’t seen a lot of that,” Hale says. “We expect the biggest help on the inventory side to come from new construction. It’s not going to be completely easy—there will still be affordability challenges. We don’t expect prices to decline; instead price growth will just slow and get in line with wages.”What Homebuyers Should Consider Before BuyingThe five-year rule is the first thing you should consider before buying, which is a general calculation that shows when you’ll break even from closing costs.If you plan on moving within five to seven years, you’ll likely lose money on the sale—unless home prices jump up dramatically, which is not something buyers should count on.For homebuyers who plan on staying in the home long-term, there’s more time to build equity and make up for those hefty closing costs, which can equal about 2% to 5% of the purchase price.“Don’t get carried away by the madness of crowds. In the back of your mind you should be asking yourself: ‘Can I sell this property, if I have to, without losing too much?,’” Lonski says.To determine whether you can truly afford the house, consider taxes, insurance and repairs, in addition to the cost of the mortgage, which will vary based on your credit score, the type of loan you take out and the amount you put down towards the purchase out of pocket.Leslie Tayne, founder and head attorney at Tayne Law Group in New York, advises buyers to keep expenses at 30% of your income.“For example, when an individual has enough savings for a 20% down payment (to avoid private mortgage insurance), the mortgage payment is no more than 28% of their monthly income, and they have a 700+ credit score, buying a house can be a good financial move,” Tayne says. “Buying makes sense, too, when the value of the home decreases or there is an opportunity to purchase a property that is below market value.”Related: Compare Personalized Mortgage Rates From 6 Lenders 6919

House Majority Leader Kevin McCarthy's office in California was vandalized and equipment was stolen Monday evening, the Republican congressman said.In a post on his Instagram account, McCarthy published pictures of the two men he claims "threw a boulder" through the window of his Bakersfield office and a picture of the resulting damage."Does anyone know these two guys? They threw a boulder thru our office window and took office equipment," McCarthy wrote Monday.CNN has reached out to McCarthy's office and the Bakersfield Police Department. 553

If you have ever wanted to spend a night in Hell (Michigan), now is your chance.An Airbnb user, dubbing himself the “Mayor of Hell,” is offering a one-night experience for Michigan residents that promises to be spooky. The listing in Hell, Michigan, is only available for three nights: Oct. 18, 21 and 24.The cost to spend a night in Hell is .“I am the biggest Halloween fan in the world (and the underworld), so I hope that our little slice of paradise can fill fellow Halloween lovers with all of the frightful chills and spooky sensations of the season,” said John Colone, owner of the Airbnb property. “And to our guests and soon-to-be Mayors, I trust you’ll find that there is no place more welcoming than Hell on Earth—we can’t wait to show you a helluva good time!”The home is said to contain a “Mayor’s Lair,” complete with a gothic sitting area. The rental also comes with an outdoor firepit, movie screen, and is a short bike ride away from the Hell Hole Diner.The experience will be available on Airbnb’s webpage starting October 14 at 12 p.m. ET. 1069

HUNTINGTON BEACH, Calif. (AP) -- A California man has been charged with poisoning eight homeless people with an incredibly spicy resin derived from chili peppers so that he could videotape their reactions.Authorities in Southern California's Orange County say 38-year-old William Robert Cable fed the victims food laced with oleoresin capsicum, which is twice as strong as pepper spray used by police.The victims suffered seizure-like symptoms, difficulty breathing, vomiting and intense mouth and stomach pain. Some had to be hospitalized.Cable was arrested last month in Huntington Beach and prosecutors announced Thursday that he's been charged with nine felonies and various misdemeanor counts.Cable is being held in jail on 0,000 bail. 751

HOUSTON - A social media influencer was found dead along the side of a road in Houston, a day after going missing, leaving many questions for friends and family. Alexis Sharkey’s friends are now telling media outlets she feared for her safety.Sharkey was found dead Saturday morning by Houston public works crews and was not wearing any clothes, according to local media. Investigators say she had no visible wounds, and the cause of death is pending an autopsy. They also say there was no attempt to hide the body along the road.The 26-year-old shared details of her life and fashion on Instagram, gaining a large following of more than 26,000 followers initially, it has grown to 40,000 following news of her disappearance. She also had a skincare and hair company called Monat. 788

来源：资阳报