{"id":6736,"date":"2023-05-16T14:28:57","date_gmt":"2023-05-16T21:28:57","guid":{"rendered":"https:\/\/www.dognmonkey.com\/svlifevn\/?p=6736"},"modified":"2025-05-05T11:01:10","modified_gmt":"2025-05-05T18:01:10","slug":"mua-nha-nam-2023","status":"publish","type":"post","link":"https:\/\/www.dognmonkey.com\/svlifevn\/mua-nha-nam-2023.html","title":{"rendered":"Mua Nh\u00e0 N\u0103m 2023"},"content":{"rendered":"<p><em><b>Mua v\u00e0 B\u1ea3o Tr\u00ec Nh\u00e0 #4, mua nh\u00e0 n\u0103m 2023\u2026<\/b><\/em><\/p>\n<p><em>R\u1ea5t nhi\u1ec1u ng\u01b0\u1eddi r\u1ee5c r\u1ecbch mu\u1ed1n mua nh\u00e0 m\u00e0 h\u1ecfi m\u00ecnh \u0111\u1ee7 th\u1ee9 v\u00ec nh\u00e0 ng\u01b0ng l\u00ean v\u00e0 c\u00f3 v\u1ebb \u0111ang \u0111i xu\u1ed1ng\u2026 \u0110\u1ed1i v\u1edbi m\u00ecnh th\u00ec m\u00ecnh ch\u1ec9 mua n\u1ebfu m\u00ecnh c\u00f3 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 gi\u1eef l\u00e2u d\u00e0i. B\u00e2y gi\u1edd l\u00e0 kh\u00f4ng c\u00f3 bid up th\u00ec m\u1eebng r\u1ed3i, c\u00f2n \u0111\u1ee3i g\u00ec n\u1eefa? LOL. M\u00ecnh l\u00e0m c\u00e1i g\u00ec c\u0169ng t\u00ednh to\u00e1n k\u1ef9 l\u01b0\u1ee1ng cho gia \u0111\u00ecnh v\u00ec nh\u00e0 c\u1eeda l\u00e0 c\u00e1i \u0111\u1ea7u t\u01b0 l\u1edbn nh\u1ea5t trong \u0111\u1eddi. B\u00e2y gi\u1edd ph\u1ea3i bi\u1ebft l\u00e0m to\u00e1n, v\u00e0 ph\u1ea3i bi\u1ebft t\u00ecnh tr\u1ea1ng t\u00e0i ch\u00e1nh c\u1ee7a gia \u0111\u00ecnh m\u00ecnh nh\u01b0 th\u1ebf n\u00e0o, ph\u1ea3i bi\u1ebft t\u1ea1i sao nh\u00e0 xu\u1ed1ng v\u00e0 l\u00ean. M\u00ecnh kh\u00f4ng bi\u1ebft \u1edf nh\u1eefng ti\u1ec3u bang kh\u00e1c nh\u01b0 th\u1ebf n\u00e0o nh\u01b0ng m\u00ecnh ch\u1ec9 theo data m\u00e0 l\u00e0m c\u00e1i g\u1ecdi l\u00e0 \u201ceducated guess\u201d, m\u1ecdi th\u1ee9 \u0111\u1ec1u l\u00e0 \u0111o\u00e1n, \u0111o\u00e1n \u0111\u00fang th\u00ec t\u1ed1t cho m\u00ecnh, \u0111o\u00e1n sai th\u00ec c\u1ea3 gia \u0111\u00ecnh l\u1ee5c \u0111\u1ee5c v\u00ec ti\u1ec1n b\u1ea1c.<\/em><\/p>\n<p><em>H\u00e3y l\u1ea5y th\u00ed d\u1ee5 m\u1ed9t zipcode t\u1ed1t v\u00e0 m\u1ed9t zipcode kh\u00e1c kh\u00e1 popular v\u1edbi VN. 94539 v\u00e0 95121. Ph\u1ea3i \u0111i coi v\u1ec1 statistic c\u1ee7a t\u1eebng zipcode m\u1ed9t. M\u00ecnh th\u1ea5y c\u00e1i trang n\u00e0y l\u00e0 kh\u00e1 \u0111\u1ea7y \u0111\u1ee7 <a href=\"https:\/\/www.unitedstateszipcodes.org\/95121\/\" target=\"_blank\" rel=\"noopener\"><button class=\"w3-button w3-blue w3-round-xlarge\">unitedstateszipcodes.org<\/button><\/a><\/em><\/p>\n<p><em>mu\u1ed1n so s\u00e1nh zipcodes th\u00ec d\u00f9ng c\u00e1i n\u00e0y <a href=\"http:\/\/www.mapszipcode.com\/zip-codes-comparison\/\" target=\"_blank\" rel=\"noopener\"><button class=\"w3-button w3-green w3-round-xlarge\">mapszipcode.com<\/button><\/a>.<a href=\"https:\/\/www.zip-codes.com\/zip-code\/94539\/zip-code-94539.asp\" target=\"_blank\" rel=\"noopener\"><button class=\"w3-button w3-red w3-round-xlarge\">zip-codes.com<\/button><\/a><\/em><\/p>\n<p><em>Khi m\u00ecnh \u0111\u1ecdc statistic th\u00ec m\u00ecnh n\u00ean ch\u00fa tr\u1ecdng t\u1edbi nh\u1eefng c\u00e1i g\u00ec? \u0110\u1ecdc b\u00e0i c\u0169 th\u00ec s\u1ebd bi\u1ebft. B\u00e2y gi\u1edd m\u00ecnh ch\u1ec9 n\u00f3i t\u1edbi n\u0103m 2023 nh\u01b0 th\u1ebf n\u00e0o.<\/em><\/p>\n<p><em>Gi\u00e1 nh\u00e0 m\u00ecnh \u0111\u00e3 r\u1edbt 25% t\u1eeb l\u00fac cao nh\u1ea5t l\u00e0 n\u0103m ngo\u00e1i, nh\u01b0ng t\u1eeb 2007 t\u1edbi gi\u1edd v\u1eabn tr\u00ean 120%. C\u00f3 nh\u1eefng c\u00e1i data \u0111\u1ed1i v\u1edbi m\u00ecnh l\u00e0 quan tr\u1ecdng n\u1ebfu m\u00ecnh \u0111ang mu\u1ed1n mua nh\u00e0.<\/em><\/p>\n<ol>\n<li><em><b>Population<\/b>: n\u1ebfu population gi\u1ea3m \u0111i theo n\u0103m th\u00e1ng t\u1ee9c l\u00e0 nh\u1eefng ng\u01b0\u1eddi mua c\u0169 b\u00e1n \u0111i m\u00e0 kh\u00f4ng c\u00f3 ng\u01b0\u1eddi tr\u1edf l\u1ea1i, nh\u1eefng M\u1ef9 gi\u00e0 b\u00e1n b\u1ecf \u0111i nh\u01b0ng l\u1ea1i kh\u00f4ng c\u00f3 nhi\u1ec1u ng\u01b0\u1eddi kh\u00e1c v\u00e0o, t\u1ea1i sao? Gi\u00e1 l\u00ean qu\u00e1 cao v\u00e0 zipcode kh\u00f4ng \u0111\u00e1ng cho ng\u01b0\u1eddi kh\u00e1c v\u00e0o.<\/em><\/li>\n<li><em><b>Average income<\/b>: n\u1ebfu ng\u01b0\u1eddi trong khu m\u00ecnh m\u00e0 ki\u1ebfm \u00edt ti\u1ec1n th\u00ec ai c\u00f3 ti\u1ec1n s\u1ebd mua l\u1ea1i nh\u00e0 m\u00ecnh gi\u00e1 cao h\u01a1n trong t\u01b0\u01a1ng lai? B\u00e2y gi\u1edd th\u1eed l\u00e0m to\u00e1n. Khu VN th\u00edch 95121, 95148, mua m\u1ed9t c\u00e1i nh\u00e0 nh\u1ecf trung b\u00ecnh $1.1M. 20% down l\u00e0 $220k, m\u1ed7i th\u00e1ng tr\u1ea3 \u1edf 6.5% l\u00e0 $7029, ch\u01b0a k\u1ec3 ti\u1ec1n linh tinh trong nh\u00e0. N\u1ebfu ti\u1ec1n mortgage l\u00e0 1\/3 ti\u1ec1n l\u01b0\u01a1ng th\u00ec gia \u0111\u00ecnh ph\u1ea3i ki\u1ebfm $21087 = $253,044. B\u00e2y gi\u1edd nh\u00ecn c\u00e1i average income c\u1ee7a zipcode m\u00ecnh r\u1ed3i nh\u00e2n hai l\u00ean nh\u01b0 c\u1ea3 hai v\u1ee3 ch\u1ed3ng \u0111\u1ec1u \u0111i l\u00e0m th\u00ec c\u00f3 mua \u0111\u01b0\u1ee3c nh\u00e0 n\u00e0y kh\u00f4ng? \u0110i v\u00e0o khu \u0111\u00f3 v\u00e0 coi ng\u01b0\u1eddi trong \u0111\u00f3 c\u00f4ng vi\u1ec7c lo\u1ea1i g\u00ec, t\u01b0\u01a1ng lai ra sao, nh\u00e0 c\u0169, nh\u00e0 m\u1edbi? Ch\u1ec9 c\u00f3 nh\u00e0 c\u0169 c\u1ea3 t\u1ef7 n\u0103m m\u00e0 v\u1eabn c\u00f3 gi\u00e1 l\u00e0 nh\u01b0 \u1edf Palo Alto, Los Gatos, Los Altos, Hillsbourough m\u00e0 th\u00f4i c\u00f2n SJ th\u00ec ch\u01b0a ch\u1eafc. Mu\u1ed1n tin g\u00ec th\u00ec tin, statistic v\u00e0 to\u00e1n l\u00e0 \u00edt khi sai.<\/em><\/li>\n<li><em><b>Mua nh\u00e0 \u0111\u1ec3 \u1edf<\/b>: Tr\u01b0\u1edbc mua nh\u00e0 nh\u1ecf, sau mua nh\u00e0 to. Nh\u00e0 nh\u1ecf m\u00e0 $1.1M th\u00ec khi n\u00e0o c\u00f3 ti\u1ec1n mua nh\u00e0 to? L\u01b0\u01a1ng v\u00e0 ti\u1ec1n l\u1eddi ph\u1ea3i t\u1edbi bao nhi\u00eau m\u1edbi mua \u0111\u01b0\u1ee3c nh\u00e0 to, m\u00e0 khu v\u1edbi average income l\u00e0 $117k th\u00ec ai s\u1ebd c\u00f3 ti\u1ec1n mua nh\u00e0 m\u00ecnh $1.5M \u0111\u1ec3 c\u00f3 l\u1eddi $400k qua nh\u00e0 l\u1edbn h\u01a1n? Khu c\u00f3 \u0111\u1ee7 t\u1ed1t \u0111\u1ec3 ng\u01b0\u1eddi l\u00e0m nhi\u1ec1u ti\u1ec1n v\u00e0o \u0111\u1ec3 mua kh\u00f4ng?<\/em><\/li>\n<\/ol>\n<p><em>Theo m\u00ecnh th\u00ec mua \u0111\u01b0\u1ee3c th\u00ec c\u1ee9 mua, nh\u01b0ng \u0111\u1eebng mong s\u1ebd c\u00f3 l\u1eddi l\u1eb9 v\u00ec \u201c<b>that ship has sailed<\/b>\u201d. Ph\u1ea3i ngh\u0129 m\u00ecnh s\u1ebd \u1edf c\u00e1i nh\u00e0 m\u1edbi mua n\u00e0y kh\u00e1 l\u00e2u, gia \u0111\u00ecnh c\u00f3 h\u1ea1nh ph\u00fac v\u1edbi n\u00f3 hay kh\u00f4ng? An to\u00e0n cho con c\u00e1i hay kh\u00f4ng? Kh\u00e1 nhi\u1ec1u ng\u01b0\u1eddi l\u00e0m l\u01b0\u01a1ng cao \u0111\u00e3 b\u1ecb m\u1ea5t vi\u1ec7c, l\u01b0\u01a1ng th\u1ea5p c\u0169ng m\u1ea5t vi\u1ec7c, c\u00f3 th\u1ec3 c\u00f3 foreclosure v\u00e0 short sales<span class=\"Apple-converted-space\">\u00a0 <\/span>hay kh\u00f4ng, c\u00f3 th\u1ec3 c\u00f3, kinh t\u1ebf c\u00f3 recession hay kh\u00f4ng? n\u1ebfu c\u00f3 th\u00ec bao l\u00e2u m\u1edbi ra kh\u1ecfi? \u0110\u00e3 r\u1ea5t nhi\u1ec1u ng\u01b0\u1eddi b\u1ecf CA \u0111i ti\u1ec3u bang kh\u00e1c. San Francisco \u0111\u00e3 c\u00f3 c\u1ea3 100k gia \u0111\u00ecnh b\u1ecf \u0111i v\u00ec crimes v\u00e0 \u0111\u1eaft \u0111\u1ecf, gi\u00e1 nh\u00e0 thu\u00ea \u0111\u00e3 \u0111i xu\u1ed1ng. Ph\u1ea3i nh\u1edb, m\u1ecdi th\u1ee9 l\u00e0 FEAR (s\u1ee3 h\u00e3i) v\u00e0 GREED (l\u00f2ng tham), khi greedy th\u00ec nh\u00e0o v\u00e0o mua \u0111\u1ec3 ki\u1ebfm l\u1eddi l\u1eb9, khi fear th\u00ec n\u00f3 s\u1ebd land slide xu\u1ed1ng kh\u00f4ng \u0111\u00e1y. Th\u00ec n\u00f3 l\u1ea1i d\u00ednh t\u1edbi ph\u00fac \u0111\u1ee9c, Karma c\u1ee7a gia \u0111\u00ecnh m\u00ecnh. S\u1ed1ng t\u1ed1t s\u1ebd g\u1eb7p h\u00ean mua nh\u00e0 \u0111\u00fang, s\u1ed1ng kh\u00f4ng t\u1ed1t th\u00ec c\u00f3 th\u1ec3 b\u1ecb m\u1ea5t ti\u1ec1n v\u00e0 gia \u0111\u00ecnh l\u1ee5c \u0111\u1ee5c. Ph\u1ea3i tin v\u00e0o th\u1ef1c ch\u1ea5t c\u1ee7a con ng\u01b0\u1eddi m\u00ecnh th\u00ec lu\u00f4n lu\u00f4n s\u1ebd th\u00e0nh c\u00f4ng trong m\u1ecdi vi\u1ec7c, ngay c\u1ea3 mua nh\u00e0 th\u1eddi th\u1ebf d\u1ed5m. \u0110\u1eebng h\u1ecfi n\u00ean hay kh\u00f4ng n\u00ean mua, ch\u1ec9 c\u00f3 m\u00ecnh m\u1edbi quy\u1ebft \u0111\u1ecbnh \u0111\u01b0\u1ee3c th\u00f4i. L\u00e0m to\u00e1n v\u00e0 \u0111\u1ecdc statistic th\u00ec s\u1ebd quy\u1ebft \u0111\u1ecbnh \u0111\u00fang cho gia \u0111\u00ecnh.<\/em><\/p>\n<p><em>Ch\u00fac m\u1ecdi ng\u01b0\u1eddi ki\u1ebfm \u0111\u01b0\u1ee3c m\u1ed9t c\u0103n nh\u00e0 khang trang v\u00e0 an to\u00e0n cho gia \u0111\u00ecnh h\u1ea1nh ph\u00fac.<\/em><\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_xmas_yard.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-6935\" src=\"https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_xmas_yard.jpg\" alt=\"Xmas Yard 2024\" width=\"600\" height=\"337\" srcset=\"https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_xmas_yard.jpg 600w, https:\/\/www.dognmonkey.com\/svlifevn\/wp-content\/uploads\/z_xmas_yard-300x169.jpg 300w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/a><br \/>\n<em><ul class=\"lcp_catlist\" id=\"lcp_instance_0\"><\/ul><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Mua v\u00e0 B\u1ea3o Tr\u00ec Nh\u00e0 #4, mua nh\u00e0 n\u0103m 2023\u2026 R\u1ea5t nhi\u1ec1u ng\u01b0\u1eddi r\u1ee5c r\u1ecbch mu\u1ed1n mua nh\u00e0 m\u00e0 h\u1ecfi m\u00ecnh \u0111\u1ee7 th\u1ee9 v\u00ec nh\u00e0 ng\u01b0ng l\u00ean v\u00e0 c\u00f3 v\u1ebb \u0111ang \u0111i xu\u1ed1ng\u2026 \u0110\u1ed1i v\u1edbi m\u00ecnh th\u00ec m\u00ecnh ch\u1ec9 mua n\u1ebfu m\u00ecnh c\u00f3 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 gi\u1eef l\u00e2u d\u00e0i. B\u00e2y gi\u1edd l\u00e0 kh\u00f4ng c\u00f3 <a href=\"https:\/\/www.dognmonkey.com\/svlifevn\/mua-nha-nam-2023.html\" class=\"more-link\">&#8230;<\/a><\/p>\n","protected":false},"author":1,"featured_media":6734,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1333],"tags":[1326,1328,1331,1171,1325,1330,1329,1327],"class_list":["post-6736","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nha-finance","tag-ban-nha","tag-fomo","tag-ham-loi","tag-location","tag-mua-nha","tag-so-lo","tag-so-mat-an","tag-zipcode"],"views":76,"_links":{"self":[{"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/posts\/6736","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/comments?post=6736"}],"version-history":[{"count":3,"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/posts\/6736\/revisions"}],"predecessor-version":[{"id":7220,"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/posts\/6736\/revisions\/7220"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/media\/6734"}],"wp:attachment":[{"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/media?parent=6736"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/categories?post=6736"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.dognmonkey.com\/svlifevn\/wp-json\/wp\/v2\/tags?post=6736"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}