What Is Equity in Real Estate?

By
Jasmine Eddy
|
Jul 20, 2020
6 min

房地产权益是指房主所欠房屋债务与房屋在市场上的价值之间的差额. 拥有房产会给房产所有者带来很大的好处. 房地产财富积累是人们购买房地产的主要原因之一. Equity is a key wealth building strategy. Let’s explore the benefits of homeownership and home equity.

Why Do We Buy Real Estate?

What exactly do people gain from owning their homes? Buying real estate is something that most people do. So, let’s take a moment to understand why someone would buy real estate. 住房是人类最基本的需求之一,但这种推理远不止于此. 人们购买房地产,是因为他们有权这么做,也是因为经济利益.

What is the Bundle of Rights?

人们买房最常见的原因之一是为了买房所带来的法律特权. This is commonly referred to as the bundle of rights. These privileges include the right of enjoyment, right to possession, right to transfer,  and right to encumber. Below are the bundle of rights homeowners possess:

The “Right of Enjoyment”

“享受权”或“控制权”都允许房主以自己喜欢的方式使用房屋, within legal limits. 控制权赋予业主在分区和土地使用法律范围内建造或重建任何他们想要的财产的权利. 享受权是指所有权人可以在不受外界干扰的情况下享有和使用自己的财产, within legal limits.

The “Right to Possess”

“占有权”只是指买方是该物业的所有人. The owner has the right to come and go as they please. The owner also has the right to remove people from the premises.

The “Right to Transfer”

The “right to transfer” gives the owner the ability to sell, gift, or leave their property to someone in a will. 业主有能力从房屋的价值中获得贷款,或者是“产权负担权”. 这一捆绑方案包括了当前和未来购房者从自有住房中获得的许多福利.

The "Right to Encumber"

The “right to encumber” means the homeowner can put encumbrances on their home. The homeowner can encumber the property with easements, liens, or other legal or financial encumbrances. They have this right because they own the land.

We Can Build Equity in Real Estate

住房所有权如此受欢迎的另一个原因是能够赚取股本. For example, imagine a buyer purchases a home for $100,000. After five years, the home is now worth $120,000. The homeowner has $20,000 in equity. 当房屋增值时,房主可以将房地产权益作为银行账户来获得财务杠杆.

Why Is Equity in Real Estate Important?

Homeowners can financially leverage their equity. 拥有足够房地产权益的房主可以卖掉他们的房子,将剩余的资金用作购买新房的首付,或者直接购买.

此外,证明房屋增值可以让人们获得贷款. In this case, equity is used as collateral. For example, 如果一个家庭需要钱送他们的孩子上大学,他们可以用房屋净值贷款来支付学费.

Investors are great at utilizing the equity in real estate. 投资者将用他们的房屋净值来获得另一处房产的首付. 一旦房子被购买了,房主就把房子变成了出租的财产. This finances the mortgage payments with passive income. 当第二处房产产生权益时,业主可以对新房子重复这一过程.

How to Improve Real Estate Equity?

Homeowners have control over their property’s equity. 他们可以立即采取行动,改善资产净值,从而提高住房的价值. 这包括降低抵押贷款金额和美化物业. Here are the most effective ways to improve real estate equity:

#1. Increase Mortgage Payments

增加抵押贷款支付有助于房主更快地偿还抵押贷款. The loans on the house restrain the home’s equity. 因此,更多的还款是提高房屋净值的一种积极方式. 在这个过程中,你需要仔细查看你的预算,以便找到更多的付款方式.

#2. Larger Down Deposit

Similar to increasing mortgage payments, homeowners can reduce their mortgage with a large down deposit. Paying more money upfront will lower the overall loan amount. 因此,房主可以通过预付一笔款项来减少他们的付款.

#3. Boost Curb Appeal

如果房主不能更快地减少他们的抵押贷款,那么他们可以修饰房屋的外观. Boosting the curb appeal will mean beautifying the property. 这将使物业更有吸引力,因此,增加其价值. 为了做到这一点,房主可以承担一些室外装修项目. Some examples include installing a new deck, adding a new coat of paint, or doing some garden designing.

#4. Improve Home’s Structure

住宅的结构完整性对建筑资产也至关重要. 一个破旧的房子将有一个较低的权益比一个类似的房子结构幸福. 雇佣一个房屋检查员可以帮助房主找到需要修复的重要缺陷.

#5. Remove Clouds on Title

取消产权负担也是增加房屋价值和权益的另一种方式. Clouds on the title report can burden the homeowner and anyone they sell to. 因此,如果房主消除了这些乌云,房子就会变得更有销路.

Using Equity as a Lead Strategy

Real estate agents create leads from homeowners with large equity! Title reports show homeowners in an area who amassed high equity. 有了这些信息,特工们就可以写信或上门拜访这些家庭.

几十年前买了房子的房主可能会有很多资产. 他们可以用他们的股权购买更昂贵的房产,或者缩小规模并将他们的股权收入囊中.

了解投资的经纪人从向可能成为投资者的房主推销中获益. 这是因为房主是在一个位置投资他们的权益. Sometimes it takes encouragement to spark this interest.

Final Thoughts on Equity in Real Estate

房地产权益是自有住房最重要的好处之一. 权益是一项财产所欠的钱与其当前市场价值之间的差额. 因此,拥有正资产的房主可以利用他们的房产作为另一个收入来源.

有了产权负担权,业主可以用他们的房屋净值作为贷款抵押. 房地产中介可以搜索有大量股权的房屋,以便找到可能对房地产投资感兴趣的客户,或出售他们的房产以兑现股权.

Question:还有哪些其他方法可以让业主利用房地产权益?

每周,和记娱乐手机APP下载都会发布深度视频,帮助观众成为成功的房地产中介 CA Realty Training YouTube Channel. Also, if you enjoyed reading this article, 和记娱乐手机APP下载希望你能和一个你认为能从中获益的朋友分享.

By
Jasmine Eddy
|
Jul 20, 2020
Terminology
6 min
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