Monthly Archives: April 2013

Asian antique appraisal in Atlanta

Chinese-in-the-world.com provides Chinese antique appraisal in Atlanta area, it is free online. If you own an antique item or you are the estate saler, we are glad to help. You can request a free picture evaluation, our knowledgeable people will give you a brief report shortly.

If you need to know the value for insurance purposes or similar, or if you want to sell it, you can ask an antique appraiser for an onsite appraisal, the appraiser will have to clarify authenticity first before putting a value on it.   The value of antiques depends on the market demand for specific items, which in turn depends on the supply and demand situation for these. An item’s condition is another factor. Professional appraisers of antique ceramics are more likely to be up-to-date with such information and able to provide a more reliable appraisal for you as they have access to records and databases of past sales, auctions, etc. The hotest perieod was between 2004 -2008. In most of th cases, Chinese antique appraisal is a very difficult work due to unsign mark and reproduction.

Also, we are collecting Chinese antiques as well as other Asian antiques and collectibles. Please take the large size pictures with all degrees (especisly on the bottom)  and email me with a description and a price you would be happy with. We are interested in are vases, bowls, plates, porcelains, cups, paintings, figures, jade, carvings, sculptures, stamps etc.

Key team members:
Combining our team together, there is more than 75 years of research
at Asian and Chinese art crafts, Chinese cultural relics, and Chinese
fine arts. Our team is working on setting up an info system about the
collections /collectors of Chinese and Asian in the US, and then to
tracking the family history to research the cultural exchange and its
inference with in last 4 centuries between North America and China
/Asia. We are proud of our appraisals that, up to date, it has been
reached 98.5% of accuracy at description and true market value.

At meantime, we will help to appraise the value for collectors and
families for whatever purposes they need. If necessary, we will help
or represent our clients to have the collections sold in a reasonable
market prices. If there urgent need for clients, we can buy some of
the items too.

The overall purposes of us are to help clients to identify the items
and then to enrich our researches and info systems.

The first step is to send Antique pictures to: asian8antique@gmail.com or  junfeng.gu@gmail.com ( Mark Gu) , and we will response your request shortly.

— By: Dynasty Institute of Sino-America Cultural Exchange

asian8antique@gmail.com

678-4040288

Alpharetta, GA 30022

什么是HUD 房 ?

(By Wang Ting)

什么是HUD homes
(U.S Department of Housing and Urban Development owned
houses)


FHA Loan The Federal Housing
Administration
担保的贷款,(FHA insured loan),借了FHA
Loan
抵押贷款买房,后又因不能按时付款,被贷款公司收回的房是FHA foreclosure,因为是被政府的保险担保的贷款(Federal Housing
Administration
mortgage
insurance
backed mortgage
loan
)所以被收回的房叫做HUD homes
(U.S Department of Housing and Urban Development Homes)
。简单的说,如果是用FHA贷的款被收回的房,在市场叫卖被称为“HUD
HOMES”。


2)买房注意事项:

a) HUD(U.S
Department of Housing and Urban Development )
注册的房产经纪人:

买卖HUD房,一定要用在HUD注册的房产经纪人,在HUD注册的房产经纪,才有资格为买主在网上标价,不是所有的房产经纪都在HUD注了册。

竞标时需要买家的社安号(Social Security number), 家庭住址,标价数额,说明是自住或是投资,如果第一次没拿到,买家愿不愿意做后补(back
up).如果愿意可填Yes.(我的一个客人这个月就拿到一个六个月前出价的房。)


出价是背靠背的,谁也不知道有几个人参加竞标,不知道别人出的是什么价,一次出价,拿到或拿不到,第二天,最晚第三天就知道了。一旦你的出价被接受,你必须在接到通知后的48小时内把合同,押金,贷款证明或存款证明等等,通过你的房产经纪递到(一天的快递)指定地点。合同不能有一点点差错,如果有错,或没能在指定的时间把合同和相关的材料送到指定的地点,买卖就会终止。

买卖双方都签了字,合同开始生效,从生效日起买家有15天的检查房的时间。45天内是过户的期限。

b) 自住或投资?

HUD Homes上市一个礼拜后在指定的日期开盘看出价。


开盘起的前30天,前7天只允许非赢利企业,单位(none
profit organizations)政府公务员,教师,警察,等进场。
7天后到前30天,自住的买家可以进场。买家一旦承诺是自住,两年不可以出租,买卖合同上严格规定,如有违约最多的罚款为25万美元。

c)  两种HUD homes:
有保障的( insured )和没保障的(
uninsured


如果是前种
insured
),对于自住的买家在15天的验房期内,如发现大的问题,可以退出合同,压金全额退还;如果是后者( uninsured),因房况悔约,即使在15天的验房期内,买家也只能得到半数压金的退款。


买房是为了投资不是自住,不管是前种或是后者( insured ) (uninsured),如果中途撤出,押金全部没收。


所以说,如果要进场买HUD homes,要非常,非常的小心。。。

3Good Neighbor Next Door (GNND) Sales
Program

这是一个HUD推出的鼓励和促销的计划。在指定的地区和房屋内,警察,教师(pre-Kindergarten
through 12th grade teachers
),救火队队员以及紧急救助的技工人员等,可享受50%房价购买的待遇。比方说,HUD定价10万,这些合格的买主只需要出5万,但是必须自住,住满3年整(36个月)。在买房时还要签一个贷款的协议,是被减去的那部分的额数,以上个例子来算是5万(0%利息)。住够3年整,这一部分不需要还,但是如果住的时间不够3年,必须按天计算,把没住完的天数折价还给HUD