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  • Raffles 정보 | 부동산

    Raffles Boston 매물 보기 Raffles Boston은 보스턴의 Back Bay 지역에 위치한 초고급 주거/호텔 타워로, 430 Stuart Street에 위치해 있습니다 . 이 건물은 Raffles 호텔, 리조트, 주택 가족의 일부로, 새로운 건설이며, The Copley Place와 Prudential Malls까지 도보 거리에 있습니다 . 이 건물은 147개의 호텔 객실과 93개의 고급 콘도, 카페, 그리고 여러 고급 레스토랑으로 구성되어 있습니다 . Raffles Boston은 스튜디오에서 세 침실 주택, 그리고 업그레이드된 펜트하우스까지 다양한 크기의 주택을 제공합니다 . 주택은 바닥부터 천장까지 창문, 멋진 전망, 고급 주방, 그리고 나무 바닥을 특징으로 합니다 . 소유자들은 Raffles Loyalty 프로그램에 VIP 멤버십을 받게 됩니다 . Raffles Boston 콘도의 가격은 스튜디오가 $1,200,000+부터, 1 베드룸이 $2,500,000+부터, 2 베드룸이 $4,400,000+부터, 그리고 3 베드룸이 $7,500,000+부터 시작합니다 . 이 건물은 400피트 또는 33층에 이르며, Charles River, Back Bay 스카이라인, 그리고 Boston Harbor의 멋진 전망을 제공합니다 . Discover a world of possibility at Raffles Boston, where experiences become cherished stories. Our wealth lies in the moments we share, and here, you'll find spaces designed for both social connection and personal retreat. Unwind in our well-equipped gym, indulge in fresh pastries at the Patisserie, or sip cocktails under the stars at the Sky Terrace Bar. Whether it's a lively night in the Residents’ Sports Lounge or a peaceful evening in the Residents’ Library with a curated wine selection, Raffles Boston invites you to craft adventures to remember. Socialize in exquisitely designed spaces or enjoy moments of solitude. Whether you prefer the quiet of the library, the ambiance of the terrace, or the culinary delights of our restaurants and bars, Raffles Boston offers the perfect backdrop for every occasion. Escape to intimate havens where tranquility reigns. Experience rejuvenation with a full-body massage, take a dip in the lap pool, or unwind in the sauna, steam room, or hot tub. Our array of services and benefits, from butler services to preferred access at Accor properties worldwide, ensure comfort and ease in every aspect of your life. Explore the full range of offerings by downloading our comprehensive listing of services and benefits.

  • 전문의 융자 | 부동산

    Doctor Loan 의사 모기지론은 의사 및 치과의사와 같은 의료 전문가가 기존 모기지보다 적은 제한으로 모기지를 확보할 수 있도록 함으로써 대출 기관이 고소득 고객을 유치하기 위해 마련한 특별 대출 프로그램입니다. ​ 의사 대출은 어떻게 활용하나요? 의사 모기지는 기존 모기지와 유사하지만 의사의 고유한 상황에 훨씬 더 적합합니다. 요점은 의사가 20% 미만의 다운 페이를 하더라도 모기지 보험(PMI) 지불을 피할 수 있다는 것입니다. PMI는 채무 불이행으로부터 대출 기관을 보호하기 위해 지불하는 보험입니다. 또한 의사 모기지는 일반적으로 총액이 아닌 필요한 총 학자금 대출 상환액만 살펴보고 일반적으로 세금 명세서를 요구하지 않고 서명된 고용 계약을 소득 증명으로 받아들입니다. 독립 계약자는 종종 소득을 증명하기 위해 2년 간의 세금 보고가 필요합니다. ​ 의사는 더 나은 모기지 이자율을 얻습니까? 낮은 계약금 요건과 면제된 PMI로 인해 일반적으로 의사 대출을 사용하기 위해 지불해야 하는 비용이 있습니다. 그 가격은 더 높은 이율(기존 모기지보다 0.125%에서 0.25% 높음) 또는 더 높은 수수료의 형태로 올 수 있습니다. 모기지 이자율은 매일 변경된다는 점을 기억하십시오. 또한 비교해야 할 요금 이상의 것이 있습니다. 수수료와 포인트를 고려하는 것을 잊지 마십시오. 의사 대출을 몇 번이나 사용할 수 있습니까? 모든 은행에는 고유한 프로그램이 있지만 일반 규칙은 원하는 만큼 여러 번 수행할 수 있습니다. 일부는 학교나 레지던트를 졸업한 지 10년이 넘으면 의사에게 더 이상 의사 대출을 연장하지 않습니다. 일반적으로 투자 부동산이 아닌 소유자가 거주하는 주택에만 제공됩니다. ​ 의사 대출을 재융자할 수 있습니까? 대출에 서명할 때는 항상 서류를 주의 깊게 읽으십시오. 그러나 의사 모기지를 포함한 대부분의 모기지에는 조기 상환 위약금이 없습니다. 즉, 언제든지 재융자를 할 수 있습니다. 의사 모기지를 사용하면 일반적으로 몇 년 후에 더 낮은 금리의 일반 모기지로 재융자하는 것이 합리적일 수 있습니다. • 소득이 증가합니다. • 소득 대비 부채 비율이 낮아지고, • 신용 점수가 올라가고, • 귀하의 모기지 상환이 완료되었으며(대출 금액을 20% 이상으로 인상), • 귀하의 집이 평가되었습니다(20% 이상 가치로 대출 증가). 따라서 금리가 하락하지 않았더라도 재융자를 하는 것이 합리적일 수 있습니다. 금리가 떨어지면 추가 보너스입니다. 의사 모기지는 일반적으로 구매하는 주택에만 적용되므로 일반적으로 의사 대출에서 다른 의사 대출로 재융자할 수 없습니다. 의사 대출 자격 대부분의 의사(의사 및 치과의사)는 이러한 대출이 자신을 위해 마련되었다는 것을 알고 있습니다. 그러나 많은 다른 전문가들은 자신도 자격이 있다는 사실을 깨닫지 못할 수 있습니다. ​ 누가 의사 대출을 받을 자격이 있습니까? 의사를 대상으로 하는 적절한 이름이지만 의사 모기지 대출은 다음과 같은 다른 고소득 전문가도 이용할 수 있습니다. • 치과의사 • 족부 전문의 • 수의사 • 검안사 • 회계사 • 변호사 • 공인 간호사 마취 전문의(CRNA) • 진료 임상의(PA, NP) The Marquis Team CrossCountry Mortgage, LLC Branch NMLS2340710 Company NMLS3029 Personal NMLS2384664 Company Licensed all US Marquis Team Licensed States; AL, AZ, CA, CT, FL, GA, IL, MA, MD, ME, NC, NH, NJ, NY, OH, PA, RI, SC, TN, TX, VA, VT ​ 맞춤형 모기지 융자 서비스 최적의 융자 프로그램 선정 빠른 클로징 프로그램 한국 국적 -> 미국 주택 구매 https://open.kakao.com/o/syTCo3te ​모기지 융자 카톡 Rick Shin ( 신동엽 ) Licensed Loan Originator 617.543.8114 rick.marquisccm@gmail.com rick@marquisccm.com APPLY NOW

  • 보스턴 부동산 이야기 | 부동산

    Persatuan Usahawan Perniagaan Korea Boston OKTA taklimat pelaburan Pada separuh pertama tahun 2021, saya telah dijemput sebagai pensyarah pada sesi taklimat pelaburan yang dihoskan oleh OKTA, sebuah persatuan ahli perniagaan, dan ini adalah video menerangkan paradigma pelaburan yang agak asing bagi orang Korea. Persatuan Usahawan Perniagaan Korea Boston OKTA taklimat pelaburan 협업 업체인 지오플랫 대표님이 보스턴에 대한 전반적인 설명을 한국에서 설명한 영상 입니다. 협업 업체인 지오플랫 임우영 대표님과 보스턴에 대한 전반적인 인터뷰 영상 입니다.

  • Newton 정보 | 부동산

    Newton 매물 보기 Newton North 매물 보기 Newton South Newton, Massachusetts is a vibrant city located in Middlesex County, just west of Boston. Here's a comprehensive overview of Newton: Location : Newton is bordered by Brookline and the Brighton neighborhood of Boston to the east, Watertown to the north, Waltham and Weston to the west, and Needham and Wellesley to the south. History : Newton was settled in 1630 and incorporated as a town in 1688. It was named after Sir Isaac Newton, the English mathematician, and physicist. Newton has a rich history, with many historic sites dating back to the colonial era. Demographics : Newton is one of the largest cities in Massachusetts, with a population of around 90,000 residents as of recent estimates. The city is known for its diverse population, strong educational system, and affluent neighborhoods. Education : Newton is served by the Newton Public Schools district, which includes several elementary schools, middle schools, and Newton North and Newton South High Schools. The schools are highly regarded for their academic excellence and extracurricular programs. Higher Education : Newton is home to several institutions of higher education, including Boston College's main campus and Lasell University. Economy : Newton has a diverse economy, with residents employed in various sectors including education, healthcare, technology, finance, and professional services. The city is also home to numerous businesses ranging from small startups to large corporations. ​ Real Estate : Newton has a competitive real estate market, characterized by a mix of historic homes, suburban neighborhoods, and luxury properties. The city's proximity to Boston, top-rated schools, and strong community amenities contribute to its desirability among homebuyers. ​ Recre ation : Newton offers a wide range of recreational opportunities for residents and visitors. The city has numerous parks, playgrounds, and athletic fields, as well as walking trails, bike paths, and conservation areas. Cultural Attractions : Newton is home to several cultural attractions, including the Newton Free Library, the Newton History Museum, and the Newton Art Association. The city also hosts various events, festivals, and concerts throughout the year. Transportation : Newton is well-connected by public transportation, with multiple MBTA commuter rail stations and bus routes serving the city. The Massachusetts Turnpike (Interstate 90) runs through Newton, providing easy access to Boston and other parts of the state. Government : Newton operates under a mayor-council form of government, with a mayor and a city council responsible for overseeing municipal services and policy decisions. ​ Overall, Newton, MA, offers a blend of suburban charm, cultural amenities, and economic opportunities, making it a desirable place to live and work in the Greater Boston area. Average Income : $186,​000 + as of 2022 ​ Newton boasts highly regarded public schools with a reputation for academic excellence, innovative programs, and diverse extracurricular activities. ​ NICHE 2024 School Ranking in MA #6 out of 964 - Elementary #12 out 378 - Middle School #7 out of 362 - High School ​ Last updated in 2022, Newton is a diverse suburb located near Boston. According to the U.S. Census Bureau's American Community Survey (ACS) estimates, the racial and ethnic makeup of Newton, MA, was approximately: ​ White: 76.7% Asian: 15.8% Hispanic or Latino: 4.1% Black or African American: 2.1% Two or More Races: 1.4% Other races: Less than 1%

  • Sudbury 정보 | 부동산

    Sudbury 매물 보기 Sudbury, Massachusetts, is a town located in Middlesex County, United States. Here's an overview of Sudbury: ​ Location : Sudbury is situated in eastern Massachusetts, about 20 miles west of Boston. It's part of the Greater Boston area. History : Sudbury was incorporated in 1639 and was originally inhabited by Native American tribes. It played a significant role in early colonial history and was involved in conflicts such as King Philip's War. Today, Sudbury maintains a strong connection to its historic roots. Population : As of the 2020 census, Sudbury had a population of approximately 19,000 people. Education : Sudbury has a highly regarded public school system, including several elementary schools, a middle school, and Lincoln-Sudbury Regional High School. The schools consistently rank well academically and offer a variety of extracurricular activities. Economy : Sudbury's economy is diverse, with a mix of small businesses, professional services, and retail establishments. Many residents also commute to nearby cities like Boston for work. Recreation : Sudbury offers numerous opportunities for outdoor recreation, including parks, trails, and conservation areas. The Assabet River Rail Trail, for example, provides a scenic route for walking, jogging, and biking. Transportation : Sudbury is primarily accessed by car and is located near major highways, including Interstate 495 and the Massachusetts Turnpike (Interstate 90). Public transportation options are limited, but commuter rail service is available in neighboring towns. Community : Sudbury has a strong sense of community with various events and activities throughout the year, including the Sudbury Colonial Faire and the Sudbury Carnival. Culture : The town boasts a rich cultural scene with local theater productions, art exhibits, and music performances. Historical sites such as the Wayside Inn and the Grist Mill offer insight into Sudbury's past. ​ Overall, Sudbury is a picturesque New England town known for its historic charm, excellent schools, and recreational opportunities amidst natural beauty. Average Income : $182,​000 + as of 2022 ​ Sudbury is known for its top-rated public schools, which often receive high marks for academic achievement, resources, and community involvement. ​ NICHE 2024 School Ranking in MA ​ #53 out 378 - Middle School #12 out of 362 - High School ​ Last updated 2022, Sudbury has a diverse population, though it may not be as diverse as some larger suburban areas closer to Boston. According to the U.S. Census Bureau's American Community Survey (ACS) 2019 estimates, the racial and ethnic makeup of Sudbury, MA, was approximately: ​ White: 84.2% Asian: 9.4% Hispanic or Latino: 2.9% Black or African American: 1.4% Two or More Races: 1.8% Other races: Less than 1%

  • Weston 정보 | 부동산

    Weston 매물 보기 Weston, Massachusetts is a picturesque town located in Middlesex County, just west of Boston. Here's a comprehensive overview of Weston: ​ Location : Weston is situated in eastern Massachusetts, bordered by Waltham to the south, Lincoln to the west, Wayland to the east, and Wellesley and Newton to the northeast. ​ History : Weston was originally part of Watertown and was incorporated as a separate town in 1713. It began as an agricultural community and later developed into a residential suburb with large estates. ​ Demographics : Weston has a relatively small population compared to its neighboring towns, with around 12,000 residents as of recent estimates. The town is known for its affluent population and high property values. ​ Education : Weston is home to the Weston Public Schools district, which includes an elementary school, a middle school, and Weston High School. The schools consistently rank among the top in the state, with high academic performance and a strong emphasis on extracurricular activities. ​ Economy : Weston has a diverse economy, with residents employed in various sectors including finance, technology, healthcare, and education. Many residents commute to Boston or nearby cities for work, while others operate businesses within the town. ​ Real Estate : Weston is known for its upscale real estate market, featuring a mix of historic homes, modern estates, and luxury properties. The town's scenic landscapes, proximity to Boston, and top-rated schools contribute to its desirability among homebuyers. Recreation : Weston offers plenty of recreational opportunities for residents and visitors alike. The town has several parks, conservation areas, and hiking trails, including the 210-acre Cat Rock Park and the 700-acre Weston Forest and Trail Association's trail network. ​ Cultural Attractions : Weston boasts cultural attractions such as the Spellman Museum of Stamps & Postal History, which houses one of the largest collections of philatelic material in the United States. The town also hosts various community events, concerts, and art exhibitions throughout the year. ​ Transportation : Weston is conveniently located near major highways, including Interstate 90 (the Massachusetts Turnpike) and Interstate 95 (Route 128), providing easy access to Boston and other parts of Massachusetts. The town is also served by commuter rail stations, making it accessible to commuters. ​ Government : Weston operates under a town meeting form of government, with elected officials including a Board of Selectmen and various town committees responsible for overseeing municipal services and policy decisions. ​ Overall, Weston, MA, offers a blend of natural beauty, top-notch education, and a high quality of life, making it a desirable place to live for those seeking a suburban lifestyle with easy access to urban amenities. Average Income : $272,​000 + as of 2022 ​ Weston is known for its excellent public schools, which often receive high ratings for academic performance, resources, and extracurricular activities. ​ NICHE 2024 School Ranking in MA #1 out of 964 - Elementary #1 out of 378 - Middle School #2 out of 362 - High School ​ Last updated in 2022 , has a predominantly white population. According to the U.S. Census Bureau's American Community Survey (ACS) estimates, the racial and ethnic makeup of Weston, MA, was approximately: ​ White: 82.9% Asian: 11.1% Hispanic or Latino: 3.5% Black or African American: 1.8% Two or More Races: 1.3% Other races: Less than 1%

  • 소액으로 최대의 스테이징 효과낵 | 부동산

    Hanya dua perkara yang pembeli beri perhatian Maksimumkan kesan pementasan Harga Penyenaraian Analisis harga yang tepat Bagaimana untuk membuat tawaran terbaik? Strategi Utama untuk Menjual Rumah Anda Kesan pementasan maksimum pada kos yang kecil Bukankah itu yang anda akan lakukan? ​ Pementasan dalam hartanah Ia kini adalah akal yang tidak dapat dipertikaikan bahawa rumah menjual lebih baik. Sudah tentu, pementasan merujuk kepada menghias rumah anda apabila anda menjualnya. Meletakkan rumah anda di pasaran tanpa pementasan tidak berbeza dengan bertemu orang yang memakai baju tidur anda. ​ Namun begitu, kes pementasan formal adalah kira-kira 20-30%. Apabila rumah itu belum dijual, ia mahal dan sukar untuk dihias. Tetapi jangan berputus asa sama sekali. Anda perlu melakukan sapuan penuh sekurang-kurangnya sekali. Anda boleh menganggapnya sebagai menyediakan lebih awal untuk langkah yang akan anda lakukan. Rumah biasa, walaupun dengan sedikit usaha Saya fikir $10000 boleh membuat perubahan dengan mudah. Dan terdapat banyak perkara yang penjual boleh lakukan sendiri. ​ Berikut ialah penerangan tentang prinsip asas pementasan dan nasihat khusus. Berdasarkan pengalaman bertahun-tahun, kami telah mengumpulkan perkara paling praktikal yang boleh dilakukan oleh penjual sendiri. ​ ​ Prinsip Asas Pementasan Selepas anda memutuskan untuk menjual rumah anda, anda harus menganggapnya sebagai rumah untuk ditunjukkan kepada pembeli, bukan tempat untuk membelinya. Ini adalah prinsip yang perlu diingat untuk menyediakan rumah yang akan menarik minat pembeli. ​ ringkas Adalah lebih baik untuk memastikannya ringkas, melainkan anda sangat mencolok dan bergaya. Sebaik-baiknya, anda harus mengeluarkan segala-galanya kecuali perabot dan aksesori yang boleh menjadi hiasan. Barang keperluan harian juga harus dijauhkan dari pandangan. Mudah menjadikannya kelihatan luas dan rumah kelihatan lebih ringkas. ​ neutral Pembeli tidak menyukai terlalu banyak gambar dan hiasan keluarga. Ini adalah prinsip yang sama seperti tidak memberitahu orang yang anda lihat buat kali pertama tentang kehidupan peribadi anda. Sememangnya mustahil dan tidak perlu untuk menghilangkan bau badan sepenuhnya untuk saya dan keluarga. Walau bagaimanapun, adalah idea yang baik untuk mementaskan rumah anda dengan cara yang agak neutral. kerja Anda tidak boleh membetulkan semuanya dengan sempurna. Terutamanya rumah lama mempunyai banyak masalah fungsi. Itu tidak bermakna anda tidak boleh menjual rumah anda. Walau bagaimanapun, adalah idea yang baik untuk membetulkan perkara yang boleh anda betulkan terlebih dahulu jika boleh. Apabila bercakap tentang pembaikan rumah, anda sedang membaiki perkara yang pembeli lebih ambil berat dan anggap penting. ​ bersih Adalah sangat penting untuk merasakan bahawa rumah anda bersih, baik di luar mahupun di dalam. Jika bersih, ia boleh memberi gambaran bahawa tuan rumah telah menjaganya dengan baik. Melihat rumah yang tidak bersih memberi impak negatif selain daripada perasaan tidak kemas. ​ Kaedah khusus pementasan 1. Mudah / Neutral Beli beberapa kotak bergerak besar dan kecil. Saya akan menjual rumah saya dan berpindah, jadi saya meletakkan barang yang saya tidak gunakan dan tidak perlu menghias rumah terlebih dahulu di dalam kotak. Seronok jika rumah itu teratur, dan seronok juga ada perkara yang perlu dilakukan lebih awal. ​ Kami melihat sekeliling rumah dari luar seolah-olah kami seorang pembeli yang datang untuk melihat rumah kami. Anda akan melihat pelbagai jenis kekacauan atau sampah yang tidak biasa anda lihat. Jika anda melabur beberapa jam setengah, anda akan dapat menyelesaikan sedikit sebanyak. ​ Kalau ambik, lebih baik jangan. Rumah kosong lebih baik daripada rumah miskin. Lebih baik tidak mempunyai apa-apa daripada mempunyai perabot yang tidak sesuai dengan pelbagai jenis. Ruang biasanya bagus dengan hanya satu hiasan. ​ ruang tamu pertama Ruang pertama yang anda lihat apabila masuk melalui pintu hadapan biasanya ruang tamu. Oleh itu, urutannya adalah terlebih dahulu membersihkan dan menghias ruang tamu. Kemudian baru buat dapur dan bilik air. Walaupun hanya dapur dan bilik mandi yang bersih dan kemas, ia boleh memberi kesan yang baik. ​ Warna neutral dan getaran yang baik. Latar belakang coklat muda, coklat gelap, hitam atau putih dengan hiasan merah akan mewujudkan suasana yang paling sesuai. Periuk hijau apa-apa warna kelihatan hebat. ​ Di mana-mana rumah terdapat banyak khazanah tersembunyi di gudang atau garaj. Terdapat beberapa barang yang boleh digunakan sebagai hiasan antara barang yang disimpan di gudang atau garaj. Jika anda melihat sekeliling objek, anda boleh menggunakan objek yang anda fikir cantik sebagai perhiasan. ​ Buang semua, kecuali untuk hiasan. Adalah disyorkan untuk mengeluarkan barang-barang yang tidak kelihatan sebagai perhiasan daripada barangan rumah seperti berus gigi dan ubat gigi. ​ Susun semula perabot anda. Dalam kehidupan, perabot diletakkan secara fungsional. Berdasarkan keselesaan hidup, kami menyusun semula perabot ke kedudukan yang lebih umum dan seimbang. Jika sofa berselerak di merata tempat, kumpulkan bersama-sama. ​ ​ 2. Operasi Jika terdapat terlalu banyak isu yang perlu diselesaikan, adalah idea yang baik untuk menyelesaikannya lebih awal. Mula-mula, betulkan mana-mana mentol lampu yang kelihatan, pili, tombol pintu, skrin tingkap, dsb. seawal mungkin. ​ Pengubahsuaian boleh dilakukan. Saya biasanya fokus pada tandas dan bilik mandi. ​ ​ 3. Pembersihan cat, cat Dengan kos dan usaha yang paling sedikit, anda boleh mendapat kesan yang paling banyak. ​ Permaidani dan lantai kayu keras perlu dibersihkan. Jika ia sangat kotor, adalah idea yang baik untuk menukarnya, atau memberi kredit kadangkala boleh menjadi idea yang baik juga. ​ pembersih profesional Hampir semua penjual tidak mempunyai masa dan wang untuk membersihkan dan menggilap setiap sudut rumah mereka. Mampu membersihkan setiap sudut rumah dengan harga yang sangat sedikit juga menjadi pilihan. Ini akan memberi ganjaran untuk pelaburan kecil. ​ Terutamanya dapur dan tandas harus bersih. Ia adalah baik untuk menghilangkan acuan. Khususnya, kawasan sekitar singki atau singki dapur adalah tempat yang pembeli ambil perhatian. ​ Jika anda mempunyai anjing atau kucing Beli deodoran dan penghilang bulu haiwan untuk menghilangkan bau dan rambut. ​ Pastikan taman anda kemas. Pastikan taman anda bersih dan cantik dengan memotong rumput, memotong dahan yang mati dan menanam bunga yang cantik.

  • 재융자 | 부동산

    Refinance 주택을 재융자한다는 것은 무엇을 의미합니까? 주택을 재융자할 때, 당신은 본질적으로 현재의 모기지를 새로운 원금과 다른 이자율로 거래하는 것입니다. 그런 다음 대출 기관은 새로운 모기지를 사용하여 이전 모기지를 상환하므로 한 번의 대출과 한 번의 월 상환금만 남게 됩니다. 사람들이 집을 재융자하는 데에는 몇 가지 이유가 있습니다. 현금 상환 재융자를 사용하여 주택 자산을 활용하거나 이자율 및 기간을 조정하여 더 나은 이자율 및/또는 더 낮은 월 지불금을 받을 수 있습니다. ​ 주택 재융자는 어떻게 이루어지나요? 재융자 절차는 동일한 단계가 많이 포함되지만 주택 구입 절차보다 덜 복잡한 경우가 많습니다. 재융자가 얼마나 걸릴지 예측하기 어려울 수 있지만 일반적으로 30~45 일 입니다. 재융자 절차를 자세히 살펴보겠습니다. 이 프로세스의 첫 번째 단계는 재융자 유형을 검토하여 가장 적합한 옵션을 찾는 것입니다. 재융자를 신청할 때 대출 기관은 주택을 구입할 때 제공한 것과 동일한 정보를 요청합니다. 소득, 자산, 부채 및 신용 점수를 검토하여 재융자 요건을 충족하고 대출금을 상환할 수 있는지 여부를 결정합니다. 대출 기관이 필요할 수 있는 일부 문서에는 다음이 포함됩니다. 가장 최근 2달 급여 명세서 가장 최근 2년의 W-2 가장 최근 2달 은행 거래내역서 기혼이고 공동 재산 상태에 있는 경우(배우자와 대출을 같이 받는지 여부에 관계없이) 대출 기관은 배우자의 문서를 필요로 할 수도 있습니다. 자영업자인 경우 더 많은 소득 문서를 요청받을 수 있습니다. 지난 몇 년 동안의 세금 보고서를 잘 보관하는 것도 좋은 생각입니다. 현재 대출 기관과 재융자를 할 필요가 없습니다. 다른 대출 기관을 선택하면 새로운 대출 기관이 현재 대출을 상환하고 이전 대출 기관과의 관계가 종료됩니다. 모기지를 재융자해야 하는 4가지 이유 앞서 언급했듯이 모기지 재융자를 원하는 데에는 다양한 이유가 있습니다. 여기에서 몇 가지 주요 이유를 살펴보겠습니다. ​ 1. 대출 기간 변경 많은 사람들이 이자 절약을 위해 대출 기간을 단축하기 위해 재융자합니다. 예를 들어, 30년 만기 대출로 시작했지만 지금은 더 높은 모기지 상환액을 감당할 수 있다고 가정해 보겠습니다. 15년 만기로 재융자하면 더 나은 이자율을 얻고 전반적으로 더 적은 이자를 지불할 수 있습니다. ​ 2. 이자율 낮추기 금리는 항상 변합니다. 대출을 받았을 때보다 지금 금리가 더 좋다면 재융자가 의미가 있을 수 있습니다. 이자율을 낮추면 월 지불액을 낮출 수 있고 대출 기간 동안 이자를 덜 지불하게 됩니다. ​ 3. 대출 유형 변경 다른 유형의 대출이 귀하에게 도움이 될 수 있는 많은 이유가 있습니다. 원래 이자를 절약하기 위해 변동금리 모기지(ARM)를 받았지만 금리가 낮을 때 ARM을 고정금리 모기지로 재융자하고 싶을 수도 있습니다. 마침내 FHA 대출을 일반 대출로 재융자하고 개인 모기지 보험에 대한 지불을 중단할 수 있을 만큼 충분한 주택 자산이 생겼을 수도 있습니다. ​ 4. 자산 현금화 현금 인출 재융자를 사용하면 집에서 빚진 것보다 더 많은 돈을 빌리고 그 차액을 현금으로 사용하실 수 있습니다. 주택 가치가 상승했다면 주택 개조, 부채 정리 또는 기타 비용을 위해 현금을 인출할 수 있는 충분한 자산이 있을 수 있습니다. 재융자로 현금을 사용하면 다른 대출 유형보다 훨씬 낮은 금리로 돈을 빌릴 수 있습니다. 그러나 현금 재융자는 세금에 영향을 미칠 수 있습니다. ​ 장기적으로 더 높은 모기지 지불 가능성 ARM의 티저 이자율은 고정 이자율 모기지의 일반적인 시장 이자율보다 낮습니다. 투자자들은 이자율이 상승하면 시간이 지남에 따라 이자율이 조정될 수 있다는 것을 알고 있기 때문입니다. 따라서 장기 지불액이 더 높을 가능성이 있으며 시장 상황에 따라 잠재적으로 평생 한도까지 증가할 수 있습니다. ​ 언제 내 모기지를 재융자해야 합니까? 재융자 여부를 결정할 때 고려해야 할 많은 요소가 있습니다. 시장 동향(현재 이자율 포함)과 개인 재정 상태(특히 신용 점수)를 고려하십시오. 재융자 비용을 계산한 후 모기지 재융자 계산기를 사용하여 손익분기점을 파악하는 것이 좋습니다. ​ 얼마나 빨리 재융자할 수 있습니까? 이 질문에 대한 답은 귀하가 받는 대출 유형과 대출에 대한 모기지 투자자에 따라 다릅니다. 짧게는 30일, 길게는 6개월 또는 1년입니다. 주택 재융자가 신용에 영향을 미칩니까? 주택 소유자가 모기지를 재융자할 때 대출 기관은 엄격한 조회를 통해 차용인의 이력에 대한 신용 보고서를 실행합니다. 이 프로세스는 신용 점수를 낮추지만 짧은 기간 동안만 가능합니다. 다른 신용 카드를 열지 않고 계속해서 부채를 상환하는 한 신용 점수는 몇 개월 후에 회복될 수 있습니다. ​ 결론: 재융자는 당신을 위해 당신의 가정을 만들 수 있습니다 적절한 시기에 재융자를 하면 재정적 도구로 사용하는 좋은 방법입니다. 대출 기간을 조정하고 더 나은 이자율을 받고 대출 유형을 변경하여 장기적으로 돈을 절약할 수 있습니다. 또는 집의 자산을 현금화하고 필요할 때 사용하십시오. ​ Rick Shin ( 신동엽 ) Licensed Loan Originator 617.543.8114 rick.marquisccm@gmail.com rick@marquisccm.com https://open.kakao.com/o/syTCo3te ​모기지 융자 카톡 The Marquis Team CrossCountry Mortgage, LLC Branch NMLS2340710 Company NMLS3029 Personal NMLS2384664 Company Licensed all US Marquis Team Licensed States; AL, AZ, CA, CT, FL, GA, IL, MA, MD, ME, NC, NH, NJ, NY, OH, PA, RI, SC, TN, TX, VA, VT ​ 맞춤형 모기지 융자 서비스 최적의 융자 프로그램 선정 빠른 클로징 프로그램 한국 국적 -> 미국 주택 구매 APPLY NOW

  • Belmont 정보 | 부동산

    Belmont 매물 보기 Belmont, Massachusetts is a suburban town located in Middlesex County, just west of Boston. Here's an overview of Belmont: Location : Belmont is bordered by Cambridge to the east, Arlington to the north, Watertown to the northeast, Waltham to the west, and Lexington to the northwest. History : Belmont was originally part of the Watertown settlement and was incorporated as a separate town in 1859. The town's history dates back to colonial times, and it has since developed into a residential suburb with a strong sense of community. Demographics : Belmont has a population of around 26,000 residents as of recent estimates. The town is known for its diverse population, excellent schools, and high quality of life. Education : Belmont is served by the Belmont Public Schools district, which includes several elementary schools, two middle schools, and Belmont High School. The schools are highly regarded for their academic excellence and extracurricular programs. Higher Education : Belmont is home to McLean Hospital, a psychiatric hospital affiliated with Harvard Medical School. Economy : Belmont has a diverse economy, with residents employed in various sectors including education, healthcare, technology, finance, and professional services. Many residents commute to Boston or nearby cities for work, while others operate businesses within the town. ​ Real Estate : Belmont has a competitive real estate market, characterized by a mix of historic homes, suburban neighborhoods, and luxury properties. The town's attractive housing stock, top-rated schools, and proximity to Boston contribute to its desirability among homebuyers. ​ Recreation : Belmont offers plenty of recreational opportunities for residents and visitors. The town has several parks, playgrounds, and sports fields, as well as walking trails and conservation areas. The Beaver Brook Reservation provides additional opportunities for outdoor activities. Cultural Attractions : Belmont is home to several cultural attractions, including the Belmont Gallery of Art, which features rotating exhibits by local and regional artists. The town also hosts various community events, concerts, and festivals throughout the year. Transportation : Belmont is well-connected by public transportation, with MBTA commuter rail service providing access to Boston and other nearby cities. The town is also served by several bus routes. Government : Belmont operates under a representative town meeting form of government, with elected officials including a Board of Selectmen and various town committees responsible for overseeing municipal services and policy decisions. ​ Overall, Belmont, MA, offers a blend of suburban charm, top-notch schools, and a high quality of life, making it a desirable place to live for families and professionals seeking a suburban lifestyle with easy access to urban amenities. Average Income : $186,​000 + as of 2022 ​ Belmont's public schools are typically recognized for their quality education, diverse opportunities, and active parent involvement. ​ NICHE 2024 School Ranking in MA #24 out of 964 - Elementary #3 out 378 - Middle School #11 out of 362 - High School ​ Last updated in 2022, Belmont has a diverse population, although it has historically been predominantly white. According to the U.S. Census Bureau's American Community Survey (ACS) estimates, the racial and ethnic makeup of Belmont, MA, was approximately: ​ White: 77.4% Asian: 17.7% Hispanic or Latino: 2.6% Black or African American: 1.2% Two or More Races: 1.2% Other races: Less than 1%

  • 바이어들의 공통적인 실수들 | 부동산

    Cara menulis tawaran Harga Tawaran Kesilapan pembeli ciri-ciri rumah yang baik Bagaimana untuk membeli lebih murah daripada harga pasaran Senarai Tugasan Bergerak Jual sebagai As-Is Bahaya Dwi Agensi cara tawar menawar strategi membeli rumah Bagaimana untuk menulis tawaran kompetitif Kesilapan yang biasa dilakukan oleh pembeli Bagaimanakah anda akan menetapkan harga tawaran itu? Senarai perkara yang perlu dilakukan sebelum bergerak Perkara Utama untuk Pembeli Membeli Rumah Pintar Kesilapan yang biasa dilakukan oleh pembeli ​ Punca utama pembaziran wang, masa dan tenaga mental ​ 1. Yang ini lebih besar daripada semua kesilapan lain yang digabungkan. Kesilapan terbesar yang boleh anda lakukan semasa membeli rumah ialah orang yang sepatutnya membelinya tidak dan orang yang tidak sepatutnya membelinya. ​ 2. Lebih cepat lebih baik. Walaupun anda tidak mampu untuk membeli rumah sekarang Nasihat pinjaman boleh membantu dalam banyak cara. Anda boleh membuat persediaan lebih awal, membuat rancangan jangka panjang jika perlu, dan belajar cara mengurus kredit anda. ​ 3. Ini lebih merugikan. Satu lagi kesilapan pembeli ialah melihat rumah mereka tanpa pengezonan. Apabila kawasan itu berkembang, persekitaran menjadi terganggu, jadi mudah untuk terlepas peluang yang baik. ​ 4. Ini juga lebih merugikan. Cukuplah satu. Satu lagi kesilapan utama pembeli ialah mendapatkan bantuan daripada berbilang ejen dan bukannya seorang. Sudah tentu anda tidak akan bekerja keras. Semua ejen mempunyai maklumat hartanah yang sama. ​ 5. Oh… Ini adalah rumah yang sangat bagus... Saya mahukan rumah yang lebih besar dan lebih baik daripada yang saya mampu. Saya rasa itu bukan fitrah manusia. ​ 6. "Berapa banyak yang boleh anda potong?" Terdapat soalan yang hampir setiap pembeli bertanya seperti kata kunci. "Berapa banyak yang anda boleh potong?" Sudah tentu, ini mungkin soalan biasa dari sudut pandangan pembeli. Ada pembeli yang terlepas peluang membeli rumah yang bagus dengan harga yang berpatutan hanya kerana tidak dapat memotongnya. ​ 7. Tukar zarah dan fikir! Satu lagi kesilapan pembeli apabila membeli rumah adalah untuk menjadi emosi. Dalam urus niaga yang melibatkan ratusan ribu dolar, terdapat kes di mana permintaan pembaikan untuk ratusan dolar mungkin tidak diterima, dan urus niaga itu mungkin ditinggalkan. ​ 8. Satu perkataan yang sangat terkenal di kalangan ejen! Satu lagi kesilapan berterusan pembeli adalah penyesalan pembeli. Kami biasanya meletakkan tawaran dan menunggu dengan tidak sabar, dan kemudian ia bermula serta-merta apabila kami mendapat pemberitahuan bahawa penjual telah menerima tawaran kami. “Saya membeli ini sendiri, di rumah yang tiada sesiapa pun. bukan?" “Bukankah tawaran itu terlalu mahal?” Pada masa yang sama, kesedaran bahawa "Saya benar-benar membeli rumah sekarang" datang dengan tekanan dan ketakutan. Kepincangan rumah dan kejiranan yang saya tidak menggila semasa saya meletakkan tawaran kini mula menarik perhatian saya. Hampir semua pembeli, pada tahap tertentu, mengalami konflik psikologi sekurang-kurangnya sekali dalam proses membeli rumah. Secara umumnya, penyesalan pembeli boleh diatasi dengan mudah dengan dua kepercayaan. Perkara yang paling penting ialah mempunyai kepercayaan yang kukuh dalam membeli rumah. Perkara kedua yang paling penting ialah keyakinan saya terhadap harga objektif rumah yang ingin saya beli. Bantuan ejen hartanah yang berpengalaman dan jujur adalah penting.

  • Wellesley 정보 | 부동산

    Wellesley https://cmps.re/34cvbai 매물 보기 Wellesley, Massachusetts is a charming town located in Norfolk County, just west of Boston. Here's an overview of Wellesley: Location : Wellesley is situated in eastern Massachusetts, bordered by Weston to the west, Needham to the south, Newton to the east, and Natick to the southwest. ​ History : Wellesley was originally part of Needham and was incorporated as a separate town in 1881. It was named after the estate of Horatio Hollis Hunnewell, a prominent resident and philanthropist. ​ Demographics : Wellesley has a population of approximately 28,000 residents as of recent estimates. The town is known for its affluent population, high property values, and strong sense of community. ​ Education : Wellesley is home to the Wellesley Public Schools district, which includes several elementary schools, a middle school, and Wellesley High School. The schools are highly regarded for their academic excellence and extracurricular offerings. ​ Higher Education : Wellesley is also home to Wellesley College, a prestigious liberal arts college for women founded in 1870. The college is known for its rigorous academic programs and beautiful campus. ​ Economy : Wellesley has a diverse economy, with residents employed in various sectors including finance, education, healthcare, and technology. Many residents commute to Boston or nearby cities for work, while others operate businesses within the town. ​​ Real Estate : Wellesley has a competitive real estate market, characterized by a mix of historic homes, upscale neighborhoods, and luxury properties. The town's attractive neighborhoods, top-rated schools, and proximity to Boston contribute to its desirability among homebuyers. ​ Recreation : Wellesley offers a variety of recreational opportunities for residents and visitors. The town has several parks, playgrounds, and sports fields, as well as walking trails and conservation areas. Lake Waban, located on the Wellesley College campus, is a popular spot for outdoor activities. ​ Cultural Attractions : Wellesley is home to several cultural attractions, including the Davis Museum at Wellesley College, which features a diverse collection of art from around the world. The town also hosts community events, concerts, and art exhibitions throughout the year. ​ Transportation : Wellesley is conveniently located near major highways, including Interstate 95 (Route 128) and the Massachusetts Turnpike (Interstate 90), providing easy access to Boston and other parts of Massachusetts. The town is also served by commuter rail stations, making it accessible to commuters. ​ Overall, Wellesley, MA, offers a blend of small-town charm, top-notch education, and a high quality of life, making it a sought-after community for families and professionals alike. Average Income : $238,​000 + as of 2022 ​ Wellesley typically has top-rated schools with a strong emphasis on academic excellence, extracurricular opportunities, and supportive communities. ​ NICHE 2024 School Ranking in MA #3 out of 964 - Elementary #15 out of 378 - Middle School #8 out of 362 - High School ​ Last updated in 2022, Wellesley is known as an affluent suburb located near Boston. Similar to neighboring towns like Weston, Wellesley has historically had a predominantly white population. According to the U.S. Census Bureau's American Community Survey (ACS) estimates, the racial and ethnic makeup of Wellesley, MA, was approximately: ​ White: 77.4% Asian: 17.7% Hispanic or Latino: 2.6% Black or African American: 1.2% Two or More Races: 1.2% Other races: Less than 1%

  • Winchester 정보 | 부동산

    Winchester 매물 보기 Winchester, Massachusetts is a charming suburban town located in Middlesex County, just north of Boston. Here's an overview of Winchester: Location : Winchester is bordered by Woburn to the north, Stoneham to the northeast, Medford to the east, Arlington to the southeast, Lexington to the west, and Reading to the northwest. History : Winchester was originally settled in 1640 and incorporated as a town in 1850. The town's history is closely tied to its development as a residential suburb of Boston in the late 19th and early 20th centuries. Demographics : Winchester has a population of around 22,000 residents as of recent estimates. The town is known for its strong sense of community, excellent schools, and attractive neighborhoods. Education : Winchester is served by the Winchester Public Schools district, which includes several elementary schools, one middle school, and Winchester High School. The schools are highly regarded for their academic excellence and extracurricular activities. Economy : Winchester has a diverse economy, with residents employed in various sectors including education, healthcare, technology, finance, and professional services. Many residents commute to Boston or nearby cities for work, while others operate businesses within the town. ​ Real Estate : Winchester has a competitive real estate market, characterized by a mix of historic homes, suburban neighborhoods, and luxury properties. The town's attractive housing stock, top-rated schools, and proximity to Boston contribute to its desirability among homebuyers. Recreation : Winchester offers plenty of recreational opportunities for residents and visitors. The town has several parks, playgrounds, and sports fields, as well as walking trails and conservation areas. The nearby Middlesex Fells Reservation provides additional opportunities for outdoor activities. Cultural Attractions : Winchester is home to several cultural attractions, including the Winchester Historical Society and Museum, which preserves and interprets the town's history. The town also hosts various community events, concerts, and festivals throughout the year. Transportation : Winchester is well-connected by public transportation, with MBTA commuter rail service providing access to Boston and other nearby cities. The town is also served by several bus routes. Government : Winchester operates under a representative town meeting form of government, with elected officials including a Board of Selectmen and various town committees responsible for overseeing municipal services and policy decisions. ​ Overall, Winchester, MA, offers a blend of small-town charm, top-notch schools, and a high quality of life, making it a desirable place to live for families and professionals seeking a suburban lifestyle with easy access to urban amenities. Average Income : $215,​000 + as of 2022 ​ Winchester usually has highly rated schools known for their strong academic programs, dedicated staff, and supportive community. ​ NICHE 2024 School Ranking in MA #14 out of 964 - Elementary #17 out 378 - Middle School #16 out of 362 - High School ​ Last updated in 2022, Winchester has historically had a predominantly white population, but it has been experiencing demographic changes over the years. According to the U.S. Census Bureau's American Community Survey (ACS) estimates, the racial and ethnic makeup of Winchester, MA, was approximately: ​ White: 80.7% Asian: 14.3% Hispanic or Latino: 2.5% Black or African American: 1.2% Two or More Races: 1.1% Other races: Less than 1%

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