一年即将结束，假期正如火如荼地进行着，反思和决心是人们最关心的事情。 As we look back at the past year, it’s clear that in many ways 2011 was a time of transition and renewal for the residential real estate market. 虽然复苏缓慢，但西雅图房地产市场终于迎来了转机，尽管这是一个伴随着一些颠簸的疲软市场。 总体而言，销售上升，这悦博体育房屋正在出售，但止赎和卖空继续给价格带来下行压力。

2012年，悦博体育可能会看到止赎率上升，但原因可能与你想象的不同。 银行开始更加关注积压的止赎案，因此预计未来几个月将受理更多的申请。 当他们处理这些积压的案件时，表面上看，丧失抵押品赎回权的案件在增加，而实际上，抵押贷款违约率实际上在下降。 In other words, foreclosures will continue to be prevalent in 2012, but they probably shouldn't be looked at as an indicator of the overall health of the housing market.

在房地产市场的起起伏伏中，2011年有一件事让悦博体育振作起来，那就是历史上的低利率。 低利率有能力让人们买得起房子，抵押贷款支付更便宜，贷款期限更短。 正因为如此，购房者和房主在过去一年里都看到了降低付款或再融资的绝佳机会。 Interest rates are expected to remain low in the coming months, so as we head into 2012, there’s still time to do the math to see if it makes sense to act.

There are a lot of opinions out there about what the housing market will do in 2012, but in the absence of a crystal ball, it’s impossible to know exactly how it will fare. What we do know is that it feels like real estate is returning to its roots – where buying a home is less about red hot deals and more about long-term benefits. We’re encouraged by this shift and hope to see more of it as we usher out the old and ring in the new with a sense of reverence and optimism for what’s to come in the New Year.

悦博体育全家祝你享尽佳节的快乐和光明。