If you seek truth you will not seek victory by dishonorable means,
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5月21号，房产Zoom讲座，让我们一起聊聊投资洛杉矶
Speaker：
Bill Qin
短租投资训练营报名注册 房地产投资
Speaker：
Bill Qin
Lina
Homeowners tend to Refinance their mortgage to either access their equity or lower their monthly payments. This happens by changing the term or type of loan or removing mortgage insurance.
Once you’re sure you can lower your interest rate it may be time to look into refinancing. Still, other factors like your break-even point, budget, and personal circumstances should influence your decision too. In this article, we’ll explore the factors that go into deciding whether or not to refinance your mortgage and the benefits—and drawbacks—refinancing can offer.
When you refinance your home, you essentially take out a new mortgage to replace your current one to lower your interest rate, get a lower monthly payment, or access equity. You can accomplish this when mortgage interest rates lower, you’ve paid off more than 20% of your home’s current value, your financial situation improves or your credit score goes up, or by changing the type of mortgage or the length of the loan term.
Lenders typically require a borrower to wait six to 12 months after getting their original mortgage to begin the refinance process.
When you refinance your mortgage, you’ll have to go through the same or similar process you did when you initially applied for a mortgage. You’ll pay origination fees, undergo a title search, and credit check, and wait for an appraisal. That’s because, just like your original mortgage, how much you’ll be qualified to receive and at what rate largely depends on the value of your home and your creditworthiness.
Closing costs vary but usually end up between 3-6% of the loan’s principal amount, and in most cases you can roll the costs into the refinance amount instead of paying them in cash at closing.
Generally speaking, the longer the term of your loan, the more you’ll pay in interest over the life of your loan, but the lower your monthly payment will be. To determine what’s better for you, consider how long you intend to stay in the home, how much you can comfortably pay each month, and what your break-even point is, which we’ll explain below.
A 15-year fixed-rate mortgage will come with a higher monthly payment but you’ll end up paying less after the full term than with a 30-year fixed-rate mortgage since you’ll be paying for a shorter period. The opposite is true of a 30-year fixed-rate mortgage, which usually comes with a slightly higher interest rate and a larger overall cost, but lower monthly payments since the interest is spread out for a longer period.
After you refinance, how much you’ll pay each month will ultimately depend on your new term and loan amount. Understanding how all of these things are related will help you when it’s time to decide whether or not to refinance—and what mortgage product to apply for.
We break down your monthly payments and your total loan costs here:
| Purchase price | Down payment | Total loan amount | Loan Term | Interest rate | Monthly payment* | Total interest over the life of the loan | Total paid over the life of the loan |
| $300,000 | $60,000 | $240,000 | 15-year loan | 4.9% | $1885.43 | $99,376.70 | $339,376.70 |
| $300,000 | $60,000 | $240,000 | 30-year loan | 5.6% | $1377.79 | $256,004.24 | $496,004.24 |
*Monthly payment does not include property taxes, homeowners insurance or HOA fees
When you choose to refinance, it may be hard to decide which kind of mortgage to choose. One simple but important calculation you can make to see if—and when—your refinance will be worth it is to find the break-even point.
Since you will pay closing costs on your refinance (just like you did with your initial mortgage), the break-even point is when the amount you save each month adds up to the upfront cost of refinancing your mortgage. Ask yourself: how long would it take me to save, with these new rates, the same amount that I would spend on closing costs for my new mortgage?
For example, if your cost for a refinanced $300,000 mortgage is 3% ($9,000), and your monthly savings are around $150 per month, it’ll take you around 45 months’ worth of savings to make back your $9,000.
These numbers are simplified and don’t take into consideration other fees and costs like property taxes and private mortgage insurance but the idea is the same. If your break-even point is years away but you don’t plan to stay in the house the whole time, it may not be worth it. But if you’re refinancing to lower your monthly payments for the life of a 30-year loan, a 4-year break-even point may be a great deal.
Interest rates fluctuate over time. When they go down, you may be able to lock in that lower rate with a refinanced mortgage. That means you’ll have a lower monthly rate and will ultimately pay less by the end of the loan term than if you kept the higher interest rate of your original mortgage.
For instance, in 1981, 30-year fixed-rate mortgages reached a peak of 18.63%. Two years later, they were down to 12.59%, and four years after that, in 1987, they fell to 9.03%. If you bought a home in the first part of that decade and then refinanced at the end of the decade, you would have cut your interest rate in half.
Similarly, in 2020, after the onset of the COVID-19 pandemic, interest rates on 30-year mortgages plunged to 2.65% from the previous high of 4.94% in 2018. Now, 30-year fixed-rate mortgages have risen to 5.81% with more rate hikes possibility.
Mortgage rates will generally rise and fall with the overall economy so it is always hard to predict where they will be in the future. That’s why lenders often suggest that if you have the money to buy a home and can afford the initial payments, it may be cheaper to lock in rates now and plan to refinance later. You can wait for rates to drop before you buy but they may just keep going up instead for a few years.
You can use an online refinance calculator to see how lowering your interest rate could reduce your monthly mortgage payment and how much it could save you over the life of the loan.
Your credit score affects the interest rate that you can get on a mortgage. If you took out your existing mortgage when your credit score was lower and have since raised your score, you can look into what a new interest rate might be. It’s still important to run the numbers to see where your break-even point is between what you’re paying in costs and what you’re saving in the long run.
If you initially took out a 30-year mortgage with a higher interest rate and now want to reduce the loan term to a 15-year loan, refinancing is the way to do it. A benefit of a shorter-term loan is the interest rate will likely be lower.
Even if overall interest rates have stayed the same or risen since you took out your initial mortgage, you may still be able to lower your refinance interest rate by reducing the term of your loan. This strategy could raise your monthly payment but result in paying off your loan faster and reducing the amount of total interest you will pay.
In the world of mortgages, there are different loans to choose from Conventional, FHA, VA, USDA, fixed-rate, and adjustable-rate mortgages (ARM). Each one comes with its requirements, advantages, and disadvantages. If you decide that you want to change the type of loan you have after reviewing the pros and cons, refinancing is the way to do it.
The difference between how much you still owe on your home loan and how much your home is worth right now is your equity. As you pay down your mortgage and owe less and less than what the home is worth, your share of the equity grows. So, if you owe $250,000 on a home that is valued at $300,000, you have $50,000 in equity. You could sell your home, pay back what you owe, and after closing costs keep some of the $50,000. Or, you could refinance to access the $50,000 and stay in your home at the same time.
There are two ways to access equity in a refinance:
Cash-out refinance
If you need, or want, some cash to cover bills, take on home repairs or upgrades, pay off debt, plan a wedding, pay tuition, or even go on a vacation, you can apply for a cash-out refinance. You’ll refinance into a new mortgage for the amount the home is worth right now (depending on the maximum loan amount allowed by your lender) and at closing you’ll receive a check for the available equity.
So, assume that you bought your home with a $300,000 loan and have since paid back $100,000 of the loan principal. You now owe $200,000. But let’s say the home has increased in value to $400,000. You owe $200,000 for a $400,000 home so you have $200,000 in equity. You can refinance a new mortgage with new rates for the home’s current value of $400,000. The loan would go to paying off the $200,000 remainder of your original mortgage and depending on the maximum loan amount allowed by your lender you would have equity available to borrow.
Usually, a lender requires that you maintain 20% equity in the home so you will not be able to cash out all of your equity in this example, but rather something closer to $120,000–or 80% of your equity. This is one way to access at least some of the equity in your home for rates usually lower than a personal loan.
Home equity line of credit
A home equity line of credit (HELOC) or a home equity loan is a different kind of refinancing option that gives you access to your home equity but not as cash. In a HELOC refinance, your equity acts as a line of credit you can borrow from to pay for repairs, upgrades, and other home-related items. Just like with a cash-out refinance, you’ll take out a new mortgage for the current value of your home but instead of getting cash back, your equity will sit as a line of credit you can use as needed. And, unlike a cash-out refinance, you only pay interest on the funds you borrow instead of on a lump sum. A HELOC can be a first lien or a second lien, depending on your lender.
Borrowers who pay less than a 20% down payment are often required to pay private mortgage insurance (PMI). PMI protects the lender if you can’t make your payments.
Generally, PMI will automatically stop once you owe 78% or less of the value of your home at the time of origination. But you can wipe it out sooner if you refinance into a new mortgage that does not require PMI.
It’s important to discuss refinancing with your lender and ask questions to fully understand the risks and rewards. Here are a few questions to get you started:
Ultimately, the decision to refinance comes down to your financial goals, your current and future needs, and the current interest rates. Understanding your situation as well as the cost to refinance, and your break-even point will help you choose to benefit you in the long run. When you’re deciding whether or not it’s a good idea to refinance, make sure to discuss the options with your lender and take the time to understand the benefits and downsides.
About the author: Stephanie Mickelson is a freelance writer based in Northwest Wisconsin who specializes in real estate, building materials, and design. When she’s not writing, she can be found juggling kids and coffee.
尽管寒冷的月份通常是房地产市场的淡季，但这并不意味着您应该暂停购房搜索。冬季其实是一个购房的理想时机，原因有很多。以下是您应该在冬季继续寻找房源的理由：
记住，这只是购房过程中的一个方面。无论您是在购买梦想家园，还是在卖掉当前房产之前购房，Linkhome都将在整个过程中为您提供指导。
现在就加入Linkhome，让我们一起迈出第一步！
今天是Linkhome的一个里程碑时刻！我们激动地推出全球首个AI驱动的房屋搜索和发现平台。自2021年成立以来，我们的使命一直是通过创新的产品（如Linkhome现金报价和先买后卖计划）提供无与伦比的买卖体验。现在，我们通过将最全面的房地产洞察汇集在一个集中平台上，进一步提升了这一体验。
Linkhome.com（以及我们全新的应用程序）现在是全球最先进的房地产平台，旨在超越传统的房产搜索。像Zillow和Redfin这样的传统网站提供基本信息——例如卧室、浴室和照片——但买家通常需要更多的信息：比如邻里环境、当地市场状况，甚至整个购房过程。通过Linkhome，您不再需要浏览多个网站或单纯依赖经纪人的专业知识。我们将所有信息整合成一个无缝的体验。
重新定义房地产研究
我们的AI驱动平台利用近1,000个数据点，这些数据来自美国人口普查局、FEMA、美国地质调查局（USGS）等主要机构，以及城市记录、消防部门等地方机构。这个庞大的数据集使我们能够提供关于房屋及其周边社区的丰富详细洞察，远远超越其他平台的有限范围。我们的目标是将您获得一位经验丰富的本地房地产经纪人的知识，以及他们可能没有的更深层数据，尽在您的掌握之中。
由于信息量巨大，无法将所有内容都放在一个房产列表页面上。这时，我们的专有AI助手Linkhome AI派上用场。使用Linkhome AI，就像与您所在地区最专业的房地产专家对话一样。无论您想了解某个房屋的市场价值与附近房源的对比，还是想知道该房产所在位置的移动信号强度，Linkhome AI都能为您提供定制化的洞察。如果您对答案不完全满意，告诉我们——我们正在不断提升其能力，以便更好地为您服务。
与房地产专家的轻松连接
当您准备好迈出下一步时，Linkhome会无缝连接您与顶级房地产经纪人，或允许您直接通过平台预约房屋参观。我们的网络覆盖了美国75%的人口，确保您可以获得经验丰富的专业人士，帮助您做出这一重要的人生决定。使用Linkhome的买家已经拥有了数据和洞察，使得过程更加顺畅和高效，既为买家提供便利，也为经纪人节省了时间。甚至房地产经纪人也可以依赖Linkhome AI回答客户最难的问题。
我们邀请您探索我们创新的平台，亲自体验房地产的未来。今天就访问Linkhome.com或下载我们的iOS或Android应用程序。这仅仅是开始，我们对未来充满期待！
上周我们帮大家分析整理了《最近是否还是换房好时机？》，收到了很多正在观望的小伙伴们的热情反馈。
今天咱们就来唠唠，如果确认要换房，需要做什么？
想要换房，那就要解决现在的自住房。
老房子无非就是两条出路：租出去/卖出去。
如果手中预算足够支付第二套房子的首付，那原来的老房自然可以拿来出租。
出租前，这几个小问题可以提前做好功课：
1.为投资房单独算好帐
出租房应该单独核算一份租金回报率，做到对房子未来产生的收入心里有数。
租金回报率 = 每年净房租收入/购房总价 %
购房价容易理解，就是房屋购买时支付的总金额。
而每年净房租收入= 年租金收入 – 持有房屋及出租衍生支出。
衍生支出包括了房产税、房屋保险、社区费、维修费、空置期分摊、出租管理费等项目。
那么年租金收入如何计算呢？
我们可以参考周围10套条件相似的已出租房屋的租金中位数。
一般来说，房子的租金回报率约在3%左右，如果能够达到5%以上，那就可以算是相当不错的一笔投资了。
毕竟投资房除了会产生租金收入外，房子还会有每年市场上涨而带来的潜在升值收入。
美国房地产每年平均升值约为6%，所以从这个角度来看，手握一套出租房，确实是一项不错的长期投资。
2.出租房的管理
在美国有非常多的线上交易平台可以帮忙展示进行出租房信息展示，包括Craigslist，专业做房产信息搜索的Zillow、 Trulia、Realtor，以及专门做公寓租赁的Apartments、Rent等等。
不同平台在是否收费、信息展示方式上都微有不同，但都属于消息发布平台，有租客联系后，还需自行进行后续联系、租客筛选和房屋的后续管理维护。
当然美国也有非常多专门做资产管理的公司，可以帮你进行房子的全托管。
资产管理公司一般会收取每个月房租7%-10%的比例作为管理费，签完托管协议后，你无需出面与租客、物业、税务部门等等直接联系，中介全权搞定。
两种方式的优劣势也是非常明显：1.房屋净收入；2.个人时间成本。
大家可以根据个人情况自行决定。
3.了解出租房的省税大法
出租房的收入自然也躲不过税务的审核，但房子出租也会有对应的税务优惠和减免。
尤其是自住房转出租房，如果小帐算的清楚，那么房租收入中的很大一部分都可以用来抵扣出租房屋的花费和房屋的折旧，相当划算。
可以用来抵扣的项目包括但不限于房屋贷款利息、房屋保险金，房产税、维修费、第三方管理费、物业费等等。
而房子的折旧费则是指房子本身价值的折旧，不包括土地价值，投资房以27.5年来进行折旧计算。
举个?：
假设当前房子的总价是20万，其中土地值4万，房子本身16万。
那我们每年就可以折旧16 万/27.5=$5818 ，这些钱就可以从租金收益中扣除不交税。
如果选择卖房，那自然是希望卖个好价钱。那下面的几项工作，就要提前做好准备：
1.摸清卖房费用
卖房过程中，会产生很多不可避免的费用。这部分也应该核算在你的房屋成本当中。
包括中介费 、房产交易税、联邦资本增值税、卖方过户公证费、屋主产权保险费等大大小小的细则，是卖房必须花费的固定支出。
2.对房子进行估值
这是决定房子出手速度快慢的关键。
我们可以根据同小区、周边相似房子最近6个月的成交价和尺价进行一个大概评估。
3.了解房子的现有状态
除去位置，房子本身的状态也是影响价格的重要因素。
如果已经知道房子结构存在比较大的问题，比如腐烂、白蚁、石棉、屋顶漏水、地下室淹水等等，必然会对房子的出售造成影响。
（关于卖房的⚠️小贴士和省钱小妙招，欢迎关注Linkhome公众号，之后会送出更详细的干货分享。）
卖房拿钱固然快乐，但是房子一旦售出，全家就需要找一个能暂时的落脚地。
这不仅会造成未来需要搬两次家的麻烦，而且有时迫于时间的压力，也容易在周转期作出冲动选择，买下一个并不合适的房子。
针对这种换房痛，Linkhome有专门的药来解决——Trade Up Program。
具体怎么操作呢？
这样不仅省去多次搬家的烦恼，还能降低置换成本。一步到位直接住新家，也不用担心旧房卖不出去。
3月16日尔湾附近区域房产推荐和投资分析
Speaker：
Bill Qin
《华尔街日报》最近报道了炙手可热的美国房地产市场，其中贷款买家常常在与全现金买家的竞争中处于劣势。
在竞争激烈的竞标情况下，由Linkhome Mortgage提供支持的Linkhome Cash Offer将贷款买家转变为全现金买家。这大大增强了交易的稳定性，并提升了贷款买家在竞标战中的竞争力。
但“更顺畅的购房过程”带来的好处并不止于此。一旦卖方接受了报价，使用Linkhome Cash Offer购买的房产通常会在10个工作日内完成交易，而传统贷款买家通常需要30至45天才能完成过户并搬入新家。
从报价到过户，使用Linkhome Cash Offer的每一步都被简化——并且它还能为买家节省时间和金钱！
今年上半年，数据显示，使用Linkhome Cash Offer的买家能够以大约比最高竞争报价低3%的价格购买梦想家园。
Linkhome Cash Offer：节省金钱、时间和麻烦
Linkhome客户Eugenio在接受《华尔街日报》采访时表示：“我们的出价并不是最高的，但我们的条款最具竞争力，因为我们是全现金报价。”他的现金报价在六个竞争者中脱颖而出。
最近，Linkhome Cash Offer又迎来了一次升级，进一步提高了其效率和为买家带来的价值。
由Linkhome Mortgage提供支持的Linkhome Cash Offer是一个金融工具，允许买家迅速成为全现金买家。
以下是其操作流程：
1⃣️ Linkhome将买家转变为全现金买家：一旦买家找到了他们喜爱的房子，他们就可以使用Linkhome Cash Offer进行全现金购买。
2⃣️ 房产迅速转移至买家名下：卖方接受报价后，买家会获得一笔短期贷款（通常在10个工作日内），用以完成房产的过户并搬入新家。
3⃣️ 买家转为长期贷款：搬入后，买家通过再融资进入常规按揭贷款。
使用Linkhome Cash Offer，过程更快、更安全。卖方能够通过Linkhome的保证获得安心，知道不会因为融资问题或延迟而导致买家反悔。这增加了相较于普通全现金买家报价的稳定性。
升级后的Linkhome Cash Offer带来了更多优势：
通过将全现金报价的稳定性与长期融资的灵活性相结合，Linkhome Cash Offer使购房过程变得更轻松、更快速，也更实惠。
准备让您的购房之旅更加顺利吗？今天就来了解Linkhome Cash Offer的独家优势吧！
近日知名科技媒体 The Tech Tribune 评选出“2024年度南加州 TOP10 创业公司”榜单。Linkhome 作为一家致力于用科技颠覆房地产行业的创业公司，荣登该榜！
“最佳创业公司榜单”由 The Tech Tribune 主办，从 2017 年开始，旨在选出全美最杰出的初创公司！
入选该名单，需要满足一些条件：必须是一家还未上市、独立运营的公司，并且获得至少一轮资金，成立时间不能超过 10 年。
此外，要入选 TOP 10，The Tech Tribune 还会从多维度对企业进行评估，包括企业潜在收入增长、领导力、品牌/产品吸引力和市场竞争格局等。
Linkhome 是谁？
Linkhome 成立于 2021 年，创始团队均来自加州大学尔湾分校商学院的同学。他们在自己买房的过程中，发现房地产行业的许多问题，决心通过科技创新，改变这个行业的顽疾，给大家提供更顺利、轻松的买房卖房体验。
公司成立至今，规模逐步扩大，团队成员中不乏来自哈佛、MIT、清华北大等世界一流高校的毕业生，还有风风火火的律师、来自麦肯锡的咨询师、Amazon 的数据小哥、Spotify 前产品经理。这些人都不约而同地加入到 Linkhome，致力于贡献自己的一份力量，革新传统的房产行业。
作为科技房产行业风头最劲的创业公司，Linkhome 成立刚满 3 年，发展迅速，已经顺利获得三轮融资，并计划在纳斯达克上市。
Linkhome 已经取得的成绩包括但不限于：
Linkhome 和其他传统地产公司有什么不同？
Linkhome 运用AI 人工智能和金融科技的力量，研发出AI找房， Cash Offer 等科技金融产品，帮买家和卖家在房屋买卖的过程中更有把握地搞定房子。
AI找房
Linkhome 的核心竞争力在于其独特的 AI 房地产平台。用户可以通过平台轻松找到符合需求的房产，AI 系统能够快速分析用户偏好、市场动态和房产特点，为用户提供个性化推荐。
Cash Offer
在旧金山湾区、西雅图、波士顿、南加这种卖方市场，一个房子往往有好几个买家竞争。卖家往往更喜欢全现金 All Cash Offer，因为全现金买房不涉及第三方贷款机构，交易更有稳定性，而且能更快完成交易。
我们针对贷款买家提供 All Cash Offer 这个选项，增加赢到 dream house 的几率。Linkhome 代表买家，先用全现金买下房子。等买家搞定贷款，再原价把房子从 Linkhome 手中买下，不收额外服务费用。
服务范围扩展
今年，Linkhome 在南加州和北加州市场的基础上，将版图进一步扩展到了亚利桑那州凤凰城、内华达州共 多 个地区同步运营，希望将优质的服务辐射到更多客户，帮助更多人开心地搬进新家。
这次能够得到行业的认可非常开心，之后 Linkhome 也会继续努力哒！
Living in your current home and wondering if you should buy before you sell? This article has you covered and answers all your questions—should you have any!
First and foremost, determine if you need to sell your current home before buying a new one. For many, selling first provides the funds for a down payment, aligns with the home-buying steps, and helps avoid the uncertainty of the market. However, buying before selling offers flexibility to explore the market freely and avoid temporary stays, rent-back agreements, or sale contingencies.
When you buy first, you can focus on finding your dream home rather than rushing due to necessity. Additionally, you avoid complex contingencies and the hassle of moving twice. Here are your options if you choose this approach:
A cash-out refinance allows you to tap into the equity in your current home by refinancing for a higher value and taking the difference as cash. This option works best if:
While it provides liquidity, it’s essential to assess whether this option aligns with your financial goals.
A sale contingency ties your offer on a new home to the successful sale of your current property within a specific timeframe (typically 30-60 days). If your home sells, both transactions proceed. If it doesn’t, your offer becomes void.
Considerations:
If you need extra time after selling your current home, a rent-back agreement lets you stay temporarily while renting the home from the new owners. This option provides breathing room but may require lowering your sale price or paying rent.
Key Details:
A HELOC allows you to borrow against your home’s equity, functioning like a credit card. You only pay interest on the amount you borrow. This option is ideal for short-term needs, such as a down payment on a new home.
Points to Consider:
A bridge loan helps cover the gap between buying and selling homes. It allows you to use your current home’s equity for a down payment on your new home and pay it off when your old home sells.
Quick Facts:
With Linkhome Buy Before You Sell, we simplify the process:
Most importantly, you don’t have to move twice!
实地看房是买房流程中的重要一环。可不少买房的朋友都有疑问，看房主要看什么？哪些细节得格外留意？如何在实地看房的短暂时间里快速了解一套房子的优缺点？
今天总结了一份美国看房清单，方便大家提前做好准备，以便能有针对性地实地去看房。
1.房屋的位置：看房时应该观察房子的具体地理位置，是否坐落在高压线下方或繁忙嘈杂马路旁，看看自己对房子所处的位置满不满意。
2.面积和户型：实地目测和感受房子的大小，评估是否有足够的空间供全家人一起生活。也看看户型够不够开阔，院子是不是自己想要的形状和面积。
3.室内房间布局和形状：虽然有些室内墙壁可以拆除，但承重墙的大体结构却无法修改，所以最好确保自己喜欢室内房间的布局。还有一些房间形状不规则，这样会产生空间局促感，还影响家具的摆放。
4.墙体、地板、天花板：如果发现墙壁上有霉菌或水渍，油漆起泡或剥落，地板翘起或卷曲，则需要谨慎，这些都是房屋漏水的迹象。如果墙壁、天花板或地板上出现大裂缝，这意味着结构损坏或地基有问题，这些问题的修复成本都相当高，所以要细心观察。
5.气味：如果在实地看房时闻到刺鼻的烟味或猫狗留下的气味，不用太担心，因为这些气味只是暂时并可以清除掉的。但如果闻到发霉或漏水带来的霉味，一定要警惕，可能是房屋年久失修或有建造缺陷。
6.窗户：窗户的数量、大小和形状可以更改，但会很耗时费钱，因为很多窗户都需要定制尺寸，最好确保现有的窗户就能令自己满意。
7.电路系统：房子的总电路盒很容易找到，打开盒盖就能清晰看到是否有电路老化、漏电、和燃烧的情况。
如果你想了解更多看房、买房、换房相关信息
1.油漆颜色和墙壁瑕疵：墙壁的油漆颜色可以随时更换，粉刷墙壁并不麻烦也不贵。另外，如果发现墙壁上有孔洞也不用太纠结，这些都非常容易修复。
2.地板或地毯：不喜欢地板或地毯都不要紧，更换起来比你预想得更简单。
3.小硬件：如果觉得房子的水龙头、门把手、灯具等小型硬件不漂亮，也不要紧，因为自己用简单的工具就可以换。
4. 整体装潢：如果看房时，发现房主的整体装潢老气过时，也也不要立刻打退堂鼓，很多时候，房子换个软装就能立马焕然一新。很多时候，这样没有做过Staging （家具布展）的房子反而开价更实在，性价比不错。
5.外部景观：围栏、窗帘、花园植物……这些都不是购房的决定性因素。只要大体过得去，具体装饰都可以后期个性化。
看完室内后，可以步行或开车慢速观察一下房子的周边环境，主要留意：
1.与周围邻居住宅的间隔距离？房子的隐私性如何？
2.周边步行是否方便？
3.周边车流量大不大？社区有没有限速牌或道路减速条？
4.周边有没有商店、超市，餐馆、加油站、公园、健身房等。
实地看房时，很多实际情况都能自己观察到。但如果有专业经纪人陪同看房，除了这些方面，他们还会结合自己的经验，针对房屋额外询问一些具体细节，这对于后续下Offer出价也非常有参考价值，也是很多买房看房的朋友很容易忽略的方面。
Linkhome推出全新经纪人系统
