{"id":9199,"date":"2021-11-23T00:45:46","date_gmt":"2021-11-23T00:45:46","guid":{"rendered":"https:\/\/www.flyhomes.com\/blog\/mandarin\/?p=9199"},"modified":"2021-11-23T00:53:46","modified_gmt":"2021-11-23T00:53:46","slug":"tips-for-first-home-buyers","status":"publish","type":"post","link":"https:\/\/flyhomes.com\/blog\/mandarin\/tips-for-first-home-buyers\/","title":{"rendered":"\u7f8e\u56fd\u4e70\u623f\u6ce8\u610f\u4e8b\u9879\u6e05\u5355\uff01\u539f\u6765\u51c6\u5907\u4e8b\u9879\u91cc\uff0c\u9884\u7b97\u53ea\u80fd\u6392\u7b2c\u4e8c\uff01"},"content":{"rendered":"\n<p>\u5bf9\u4e8e\u5f88\u591a\u7b2c\u4e00\u6b21\u4e70\u623f\u7684\u4eba\u6765\u8bf4\uff0c\u4e70\u623f\u7b2c\u4e00\u8981\u8003\u8651\u7684\u95ee\u9898\u603b\u662f\u9884\u7b97\u3002<\/p>\n\n\n\n<p>\u4f46\u5176\u5b9e\uff0c\u94b1\u53ea\u662f\u4f17\u591a\u4e70\u623f\u4e70\u623f\u51c6\u5907\u5de5\u4f5c\u4e2d\u7684\u4e00\u9879\u3002<\/p>\n\n\n\n<p>\u4eca\u5929\uff0c\u6211\u4eec\u5c31\u5e2e\u5927\u5bb6\u68b3\u7406\u4e865\u5927\u4e70\u623f\u524d\u5fc5\u77e5\u6e05\u5355\uff0c\u8fd9\u4e9b<strong>\u7f8e\u56fd\u4e70\u623f\u6ce8\u610f\u4e8b\u9879<\/strong>\uff0c\u4e00\u5b9a\u8981\u505a\u597d\u529f\u8bfe\uff01<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"has-text-align-center wp-block-heading\"><strong>\u7f8e\u56fd\u4e70\u623f\u6ce8\u610f\u4e8b\u9879<\/strong><strong>\u4e00<\/strong><\/h2>\n\n\n\n<h2 class=\"has-text-align-center wp-block-heading\"><strong>&nbsp;\u660e\u786e\u4e70\u623f\u52a8\u673a<\/strong><\/h2>\n\n\n\n<p>\u9996\u5148\uff0c\u4f60\u8981\u95ee\u95ee\u81ea\u5df1\uff1a\u201c\u6211\u4e3a\u4ec0\u4e48\u60f3\u4e70\u623f\uff1f\u201d<\/p>\n\n\n\n<p>\u662f\u56e0\u4e3a\u5bb6\u5ead\u6210\u5458\u589e\u591a\uff0c\u9700\u8981\u66f4\u591a\u7a7a\u95f4\uff1f<\/p>\n\n\n\n<p>\u8fd8\u662f\u56e0\u4e3a\u5728\u559c\u6b22\u7684\u793e\u533a\u91cc\u627e\u5230\u4e86\u597d\u623f\u6e90\uff0c\u5e0c\u671b\u5728\u90a3\u91cc\u6295\u8d44\u672a\u6765\uff1f<\/p>\n\n\n\n<p>\u662f\u56e0\u4e3a\u4f60\u52aa\u529b\u79ef\u6512\u5b58\u6b3e\u591a\u5e74\uff0c\u7ec8\u4e8e\u8db3\u591f\u652f\u4ed8\u9996\u4ed8\uff1f<\/p>\n\n\n\n<p>\u8fd8\u662f\u56e0\u4e3a\u60ca\u89c9\u79df\u623f\u8d39\u7528\u9ad8\u6602\uff0c\u4e0d\u5982\u8fd8\u623f\u8d37\u6765\u7684\u5212\u7b97\uff1f<\/p>\n\n\n\n<p>\u4e0d\u7ba1\u7406\u7531\u662f\u4ec0\u4e48\uff0c\u5148\u628a\u5b83\u5199\u4e0b\u6765\u3002<\/p>\n\n\n\n<p>\u5982\u679c\u662f\u56e0\u4e3a\u559c\u6b22\u8fd9\u4e2a\u793e\u533a\uff0c\u5199\u4e0b\u559c\u6b22\u7684\u539f\u56e0\u3002\u5982\u679c\u662f\u56e0\u4e3a\u5bb6\u5ead\u89c4\u6a21\u58ee\u5927\uff0c\u5199\u4e0b\u62e5\u6709\u66f4\u591a\u7a7a\u95f4\u540e\uff0c\u4f60\u671f\u671b\u505a\u7684\u4e8b\u60c5\u3002<\/p>\n\n\n\n<p>\u5f53\u4e70\u623f\u540e\u671f\uff0c\u4f60\u5f00\u59cb\u88ab\u623f\u5b50\u7684\u4ef7\u683c\u548c\u6237\u578b\u51b2\u660f\u4e86\u5934\u8111\u65f6\uff0c\u8fd9\u5f20\u4e70\u623f\u7406\u7531\u4f1a\u5e2e\u4f60\u627e\u56de\u521d\u5fc3\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"has-text-align-center wp-block-heading\"><strong>\u7f8e\u56fd\u4e70\u623f\u6ce8\u610f\u4e8b\u9879<\/strong><strong>\u4e8c<\/strong><\/h2>\n\n\n\n<h2 class=\"has-text-align-center wp-block-heading\"><strong>\u89c4\u5212\u4e70\u623f\u9884\u7b97<\/strong><\/h2>\n\n\n\n<p>\u9884\u7b97\uff0c\u662f\u4e70\u623f\u8fc7\u7a0b\u6700\u9700\u8981\u8003\u8651\u7684\u90e8\u5206\u3002<\/p>\n\n\n\n<p>\u4e0d\u4ec5\u662f\u56e0\u4e3a\u8fd9\u51b3\u5b9a\u4e86\u4f60\u662f\u5426\u6709\u80fd\u529b\u4e70\u5230\u6ee1\u610f\u7684\u623f\u5b50\uff0c\u4e5f\u610f\u5473\u7740\u4f60\u4e70\u623f\u540e\u80fd\u5426\u53ca\u65f6\u8fd8\u5f97\u8d77\u8d37\u6b3e\u3002<\/p>\n\n\n\n<p>\u6211\u4eec\u5efa\u8bae\u5927\u5bb6\u6839\u636e\u4ee5\u4e0b10\u9879\u5185\u5bb9\uff0c\u505a\u597d\u7b80\u5355\u7684\u89c4\u5212\u548c\u51c6\u5907\uff1a<\/p>\n\n\n\n<p>1\u3001\u6536\u5165 \uff08Income\uff09<\/p>\n\n\n\n<p>2\u3001\u5b58\u6b3e\u8bc1\u660e\uff08Bank statements\uff09<\/p>\n\n\n\n<p>3\u3001\u6bcf\u6708\u5f00\u9500 \uff08Monthly expenses\uff09<\/p>\n\n\n\n<p>4\u3001\u80a1\u7968\u3001\u503a\u5238\u7b49\u91d1\u878d\u8d44\u4ea7\uff08Extra financial accounts\uff09<\/p>\n\n\n\n<p>5\u3001\u503a\u52a1\uff08Debt\uff09<\/p>\n\n\n\n<p>6\u3001\u9000\u4f11\u548c\u6295\u8d44\u8d26\u6237\uff08Retirement and investment accounts\uff09<\/p>\n\n\n\n<p>7\u3001\u4fe1\u7528\u5206\u6570\uff08Credit score\uff09<\/p>\n\n\n\n<p>8\u3001\u4eba\u5bff\u4fdd\u9669\u3001\u8f66\u9669\u7b49\u5404\u7c7b\u4fdd\u9669 \uff08Insurance policies\uff09<\/p>\n\n\n\n<p>9\u3001\u9700\u7f34\u7eb3\u7a0e\u6b3e\uff08Tax returns\uff09<\/p>\n\n\n\n<p>10\u3001\u53ef\u4ee5\u5e94\u6025\u53d8\u73b0\u7684\u8d44\u4ea7\uff08Things you can sell\uff09<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"900\" height=\"400\" src=\"https:\/\/www.flyhomes.com\/blog\/mandarin\/wp-content\/uploads\/sites\/3\/2021\/11\/image-31.png\" alt=\"tips for first home buyers\" class=\"wp-image-9201\" srcset=\"https:\/\/wp-media.flyhomes.com\/blog\/wp-content\/uploads\/sites\/3\/2021\/11\/23004456\/image-31.png 900w, https:\/\/wp-media.flyhomes.com\/blog\/wp-content\/uploads\/sites\/3\/2021\/11\/23004456\/image-31-300x133.png 300w, https:\/\/wp-media.flyhomes.com\/blog\/wp-content\/uploads\/sites\/3\/2021\/11\/23004456\/image-31-768x341.png 768w, https:\/\/wp-media.flyhomes.com\/blog\/wp-content\/uploads\/sites\/3\/2021\/11\/23004456\/image-31-610x271.png 610w, https:\/\/wp-media.flyhomes.com\/blog\/wp-content\/uploads\/sites\/3\/2021\/11\/23004456\/image-31-370x164.png 370w\" sizes=\"auto, (max-width: 900px) 100vw, 900px\" \/><\/figure>\n\n\n\n<p>\u8fd9\u4e9b\u7ec6\u9879\u4e0d\u4ec5\u4f1a\u5e2e\u4f60\u660e\u786e\u81ea\u5df1\u7684\u8d22\u52a1\u6c34\u5e73\uff0c\u4e5f\u4f1a\u7b80\u5316\u672a\u6765\u7684\u8d2d\u623f\u6d41\u7a0b\u3002<\/p>\n\n\n\n<p>\u6bd4\u5982\u7533\u8bf7\u8d37\u6b3e\u65f6\uff0c\u56e0\u4e3a\u540c\u6837\u9700\u8981\u8fd9\u4e9b\u6750\u6599\uff0c\u4e8b\u5148\u6574\u7406\u597d\u7684\u6587\u6863\u4f1a\u5e2e\u4f60\u5927\u5927\u8282\u7701\u65f6\u95f4\uff0c\u52a0\u5feb\u8d37\u6b3e\u7684\u7533\u8bf7\u901f\u5ea6\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"has-text-align-center wp-block-heading\"><strong>\u7f8e\u56fd\u4e70\u623f\u6ce8\u610f\u4e8b\u9879\u4e09<\/strong><\/h2>\n\n\n\n<h2 class=\"has-text-align-center wp-block-heading\"><strong>\u786e\u5b9a\u9996\u4ed8\u6bd4\u4f8b<\/strong><\/h2>\n\n\n\n<p>\u5927\u90e8\u5206\u4eba\u4e00\u76f4\u8ba4\u4e3a\u9996\u4ed8\u81f3\u5c11\u5e94\u8be5\u662f\u623f\u4ef7\u768420%\u3002\u4f46\u5bf9\u4e8e\u9996\u6b21\u5728\u7f8e\u56fd\u4e70\u623f\u7684\u4eba\u6765\u8bf4\uff0c\u8fd9\u5e76\u4e0d\u662f\u4e00\u7b14\u5c0f\u7684\u6570\u76ee\u3002<\/p>\n\n\n\n<p>\u5176\u5b9e\uff0c\u4e0d\u9700\u8981\u63d0\u4f9b20%\u7684\u9996\u4ed8\uff0c\u4f60\u4e5f\u53ef\u4ee5\u4e70\u623f\u3002<a href=\"https:\/\/www.flyhomes.com\/blog\/mandarin\/downpayment-in-us\">\uff08\u5173\u4e8e\u8d37\u6b3e\u6211\u4eec\u8fd8\u6709\u53e6\u5916\u4e00\u7bc7\u6587\u7ae0\u6709\u8be6\u7ec6\u4ecb\u7ecd\uff0c\u53ef\u4ee5\u770b\u770b\u8fd9\u91cc\u54e6\uff5e\uff09<\/a><\/p>\n\n\n\n<p>\u6839\u636e2021\u5e74National Association of Realtors\u7684\u8c03\u67e5\u62a5\u544a\u663e\u793a\uff0c\u6700\u65b0\u7f8e\u56fd\u8d37\u6b3e\u4e70\u623f\u9996\u4ed8\u7684\u4e2d\u4f4d\u6570\u662f12%\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"497\" height=\"312\" src=\"https:\/\/www.flyhomes.com\/blog\/mandarin\/wp-content\/uploads\/sites\/3\/2021\/11\/image-32.png\" alt=\"tips for first home buyers\" class=\"wp-image-9202\" srcset=\"https:\/\/wp-media.flyhomes.com\/blog\/wp-content\/uploads\/sites\/3\/2021\/11\/23004511\/image-32.png 497w, https:\/\/wp-media.flyhomes.com\/blog\/wp-content\/uploads\/sites\/3\/2021\/11\/23004511\/image-32-300x188.png 300w, https:\/\/wp-media.flyhomes.com\/blog\/wp-content\/uploads\/sites\/3\/2021\/11\/23004511\/image-32-370x232.png 370w\" sizes=\"auto, (max-width: 497px) 100vw, 497px\" \/><\/figure>\n\n\n\n<p><em>Source: National Association of REALTORS Home Buyers and Sellers Generational<\/em><\/p>\n\n\n\n<p><em>&nbsp;Trends Report, 2021<\/em><\/p>\n\n\n\n<p>\u9996\u4ed8\u6bd4\u4f8b\u7684\u9ad8\u4f4e\uff0c\u5176\u5b9e\u5e76\u4e0d\u4f1a\u5f71\u54cd\u4f60\u4e70\u623f\u7684\u5b9e\u529b\u3002\u5f53\u7136\uff0c\u4e0d\u540c\u7684\u6bd4\u4f8b\uff0c\u4e5f\u5404\u6709\u5229\u5f0a\u3002<\/p>\n\n\n\n<p>\u5982\u679c\u4f60\u60f3\u8981\u4e86\u89e3\u4e0d\u540c\u9996\u4ed8\u6bd4\u4f8b\u7684\u4f18\u52a3\u52bf\uff0c\u6b22\u8fce\u53c2\u8003\u8fd9\u7bc7\u4e13\u95e8\u8bb2\u9996\u4ed8\u6bd4\u4f8b\u7684\u5206\u6790\u6587\u7ae0\uff0c\u5e2e\u4f60\u4f5c\u51fa\u5224\u65ad\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"has-text-align-center wp-block-heading\"><strong>\u7f8e\u56fd\u4e70\u623f\u6ce8\u610f\u4e8b\u9879\u56db<\/strong><\/h2>\n\n\n\n<h2 class=\"has-text-align-center wp-block-heading\"><strong>\u9009\u5b9a\u4e70\u623f\u533a\u57df<\/strong><\/h2>\n\n\n\n<p>\u660e\u786e\u4e86\u76ee\u6807\u3001\u786e\u5b9a\u4e86\u9884\u7b97\u548c\u9996\u4ed8\uff0c\u63a5\u4e0b\u6765\u6700\u91cd\u8981\u7684\u5c31\u662f\u786e\u5b9a\u4e70\u623f\u533a\u57df\uff01<\/p>\n\n\n\n<p>\u4e70\u623f\u6700\u91cd\u8981\u7684\u5c31\u662f\u4f4d\u7f6e\u3002\u6bd5\u7adf\uff0c\u623f\u5b50\u7684\u8bbe\u8ba1\u548c\u98ce\u683c\u53ef\u4ee5\u6539\uff0c\u4f46\u623f\u5b50\u7684\u4f4d\u7f6e\u6ca1\u6cd5\u53d8\u3002\u3002<\/p>\n\n\n\n<p>\u6240\u4ee5\u5728\u4f60\u51b3\u5b9a\u597d\u4e70\u623f\u533a\u57df\u524d\uff0c\u53ef\u4ee5\u82b1\u70b9\u65f6\u95f4\u53bb\u901b\u901b\u611f\u5174\u8da3\u7684\u4e0d\u540c\u5730\u533a\u3002<\/p>\n\n\n\n<p>\u4e86\u89e3\u5f53\u5730\u7684\u5546\u5e97\u3001\u9910\u9986\u548c\u516c\u56ed\uff0c\u5b66\u6821\u3001\u6742\u8d27\u5e97\u3001\u516c\u4ea4\u7ebf\u8def\u7b49\u7b49\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"512\" height=\"384\" src=\"https:\/\/www.flyhomes.com\/blog\/mandarin\/wp-content\/uploads\/sites\/3\/2021\/11\/image-14.jpeg\" alt=\"tips for first home buyers\" class=\"wp-image-9203\" srcset=\"https:\/\/wp-media.flyhomes.com\/blog\/wp-content\/uploads\/sites\/3\/2021\/11\/23004515\/image-14.jpeg 512w, https:\/\/wp-media.flyhomes.com\/blog\/wp-content\/uploads\/sites\/3\/2021\/11\/23004515\/image-14-300x225.jpeg 300w, https:\/\/wp-media.flyhomes.com\/blog\/wp-content\/uploads\/sites\/3\/2021\/11\/23004515\/image-14-333x250.jpeg 333w\" sizes=\"auto, (max-width: 512px) 100vw, 512px\" \/><figcaption>Find real estate, searching for home<\/figcaption><\/figure>\n\n\n\n<p>\u5f53\u7136\uff0c\u6bd4\u8fd9\u4e2a\u66f4\u76f4\u63a5\u7684\u65b9\u5f0f\uff0c\u5c31\u662f\u76f4\u63a5\u53bbopen house \u6216\u8005\u8ddfFlyhomes \u7684Tour Specialist \u7ea6\u770b\u623f\uff01<\/p>\n\n\n\n<p>Flyhomes Tour 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