By: Team

專家解說樓花預售、貸款續約必須知道的真相



房價跌不停!貸款續約潮引爆危機|銀行不會告訴你的秘密|溫哥華房市報告|嘉賓:貸款專家 Jonathan Yien

 

暑假一結束,就來聊聊八月的市場狀況吧。📊

有趣的是,八月的銷售比去年同期上升了 2.9%,這也是今年繼一月後第一次銷售量超越去年。很多人會問:是不是市場要回溫了?


但現實是,今年供應量依舊很高,庫存大約有 9 個月,比去年多出一整個月。這意味著我們還在「極端買方市場」裡,獨立屋更是有超過 10 個月的供給,成交機率大概只有一成。也難怪價格已經連跌五個月,和去年相比下滑了 4%。除非庫存明顯下降,否則價格要反轉還不太可能。


不過也不是完全沒有亮點。👀 我們觀察到有些屋主會選擇先把公寓或聯排屋以相對低價賣掉,去換購議價空間更大的獨立屋。而在大環境偏冷清的同時,楓樹嶺卻有點特別—是少數幾個銷售量比七月還上升的區域。


下週降息幾乎已經確定,接下來就看能不能帶來一點買氣。但短期內要談價格反轉,恐怕還太早。


如果你想更清楚知道自己所在社區的情況,可以點擊下方的 SnapStats 報告看看


  • 該選固定還是浮動利率 
  • 樓花預售遇到的問題
  • 如何換貸款銀行
  • 首購族增加貸款批下來的機會
  • 未來利率走勢
  • 樓花預售如何貸款
  • 八月溫哥華市場報告
  • 唯一這個區域獨立房及公寓銷售上升
  • 續約壓力和與銀行談判實用技巧



跟我預約時間諮詢 👉🏽bit.ly/BookingwithKen


 免費市場報告 👉🏽bit.ly/4cBITxC  


🔷 聯絡方式🔷 

Ken Hu 溫哥華房地產小胡 

直線手機號  : 778.889.8826 

電子郵箱 :[email protected]  

微信:kenhusold


Disclaimer 免責聲明 本視頻中提供的信息不構成也無意構成任何專業建議, 視頻中提供的所有信息和內容僅供一般參考,不應作為準確,及時或適合任何特定目的的依據. 建議觀看視頻的觀眾聯繫他們的專業顧問,房地產經紀人,律師和會計師,尋求具體的專業建議。 **“The information provided on this video does not, and is not intended to, constitute any professional advice; instead, all information and content available on this video is for general informational purposes only and should not be relied upon as accurate, timely, or fit for any particular purpose. Ken Hu, his affiliates, his brokerage or any other persons who appear in the video does not warrant or guarantee the quality, accuracy, or completeness of any information in this video. Viewers of this video are advised to seek specific professional advice by contacting their professional advisors, realtors, lawyers and accountants.”




...
By: Ken Hu Team

溫哥華2025年8月地產報告




As we move deeper into the summer market, the Vancouver real estate landscape is showing signs of stabilizing. Sales remain slightly lower than last year, but July’s numbers confirm the early recovery trend we saw in June. Inventory has plateaued at around 17,000 listings, giving buyers plenty of choice while keeping prices relatively stable.

Detached homes remain in buyer’s market territory, while condos are leaning toward balanced but still giving buyers some negotiating room.

Let’s dive into the numbers ...


📊 Key Market Metrics: Greater Vancouver, July 2025

Sales Volume: 2,286 homes sold
⬇️ 2.0% lower than July 2024
⬆️ 4.8% higher than June 2025
📉 13.9% below 10-year seasonal average (2,656)

New Listings: 5,642 homes listed
📈 0.8% above July 2024
📈 12.4% above the 10-year seasonal average (5,018)

Total Active Listings: 17,168
⬆️ 19.8% higher than July 2024
⬇️ 2.2% lower than June 2025
📈 40.2% above the 10-year seasonal average (12,249)
💡 What it means: Buyers still have plenty of choice, but if sales continue to rise, inventory could tighten later this year.

Months of Inventory (MOI): 7.51 → Balanced Market
💡 What it means: Supply and demand are relatively aligned, keeping prices from big swings.


Home Price Index (HPI): $1,165,300
⬇️ 2.7% lower than July 2024
⬇️ 0.7% lower than June 2025
💡 What it means: Prices are stable to slightly down across most segments.


Market Type by Property Category
🏡 Detached Homes: Buyer’s Market (MOI: 9.82)
🏘️ Townhomes: Balanced Market (MOI: 6.00)
🏢 Condos: Buyer’s Market (MOI: 6.27)


💬 Professional Insight & Actionable Advice

🔹 For Buyers: Current conditions still favour buyers in most segments, with balanced conditions in townhomes and more negotiating room in detached and condo markets. Inventory remains steady, so there is time to view multiple options and compare. Keep an eye on neighbourhood-specific trends, as well-priced homes in popular areas may attract faster offers.

🔹 For Sellers: While detached homes are facing more competition, condos inventory shows signs of gradually tightening. Strong presentation, competitive pricing, and strategic marketing remain key to attracting serious buyers in today’s market.



💡 If you are curious about how your area is performing, make sure to download the free market report below!

📌 市場回顧與重點導讀

進入盛夏,7月大溫房市延續了 6 月的回暖跡象,雖然成交量仍較去年同期略低,但跌幅已明顯收窄,顯示市場需求逐步回升。整體庫存量在 17,000 筆左右持平,讓買家有充裕的選擇,同時抑制了價格的波動。

獨立屋依然處於買方市場,而公寓庫存月份有減少跡象,但仍為買家保留一定的議價空間。


📊 大溫哥華 2025 年 7 月房市重點數據

總銷售量: 共成交 2,286 筆
⬇️ 較 2024 年 7 月下降 2.0%
⬆️ 較 2025 年 6 月上升 4.8%
📉 低於 10 年同期平均(2,656 筆)13.9%
💡 解讀: 成交量已連續兩個月回升,市場逐漸走出春季低迷。

新掛牌數量: 5,642 筆
📈 較去年同期增加 0.8%
📈 高於 10 年同期平均(5,018 筆)12.4%

總活躍掛牌數: 17,168 筆
⬆️ 較 2024 年 7 月上升 19.8%
⬇️ 較 2025 年 6 月下降 2.2%
📈 高於 10 年平均(12,249 筆)40.2%
💡 解讀: 庫存水位穩定,為買家提供充足選擇,但若成交進一步加快,供應可能收緊。

庫存月份(MOI): 7.51 個月 → 平衡市場
💡 解讀: 供需相對平衡,短期價格走勢維持穩定。


房價指數(HPI): $1,165,300
⬇️ 較 2024 年 7 月下降 2.7%
⬇️ 較 2025 年 6 月下降 0.7%
💡 解讀: 各類型物業價格均呈穩中略跌,買方議價空間仍在。


不同物業類型的市場狀態
🏡 獨立屋:買方市場(MOI:9.82)
🏘️ 聯排屋:平衡市場(MOI:6.00)
🏢 公寓:買方市場(MOI:6.27)


💬 觀點與實用建議

🔹 給買家:

目前多數板塊仍偏向買方市場,城市屋則維持平衡狀態。庫存量穩定,買家可有時間比較不同物業並挑選合適標的。不過在熱門社區,具競爭力的物業可能會較快售出,需留意區域成交節奏。

🔹 給賣家:

雖然獨立屋市場競爭激烈,但部分地區的公寓庫存已有逐步收緊的跡象 。要脫穎而出,必須做好合理定價、專業行銷與房屋展示,尤其在庫存保持高位的情況下更顯重要。




💡 想了解您所在地區的市場表現,請下載下面的免費市場報告! 


 



...
By: Ken Hu Team

溫哥華2025年7月地產報告

June Stats

六月數據

Sales : 2,182  (Down 2.1% from May )

銷售 : 2,182    (相比下跌2.1 % )
Month of Inventory : 8.05 (Buyer Market)
庫存月份 : 8.05   (買家市場)

Home Price :  $1,173,100  (Down 0.3% from May) 

價格指數 :  $1,173,100     (相比月下跌0.3%)




📌 Market Snapshot & What It Means for You


As we head into the summer market which is typically a slower time of the year, especially following the slowest spring in nearly a decade (besides 2019 & 2020) — inventory has reached record highs, with many homes sitting longer on the market. However, entry-level detached houses are still seeing stronger demand and continue to sell well. In contrast, the townhouse segment remains stable in balanced territory. Overall, the market is shifting, and pricing strategy is more important than ever.


📊 Key Market Metrics: Greater Vancouver, June 2025


  • Sales Volume: 2,181 homes sold

 ⬇️ 9.8% lower than June 2024

 ⬆️ 2.1% lower than May 2025

 📉 25.8% below 10-year seasonal average (2,940)

💡 What it means: Sales are still soft, but the year-over-year decline is half of May’s—suggesting demand may be stabilizing.


  • New Listings: 6,315 homes listed

 📈 10.3% above June 2024

 📈 12.7% above the 10-year seasonal average (5,604)


  • Total Active Listings17,561

 ⬆️ 23.8% higher than June 2024

 ⬆️ 2.7% higher than May 2025

 📈 43.7% above the 10-year seasonal average (12,223)

💡 What it means: Buyers have more choice than ever. Sellers must position and price strategically to attract attention.


  • Months of Inventory (MOI): 8.05 → Buyer’s Market

💡 What it means: Inventory levels are high, placing downward pressure on prices and increasing negotiation power for buyers.


  • Home Price Index (HPI): $1,173,100

 ⬇️ 2.8% lower than June 2024

 ⬇️ 0.3% lower than May 2025

💡 What it means: Prices are trending sideways, with slight downward pressure across most property types.


  • Market Type by Property Category

🏡 Detached Homes: Buyer’s Market 

🏘️ Townhomes: Balanced Market 

🏢 Condos: Buyer’s Market 


💬 Professional Insight & Actionable Advice


🔹 For Buyers:  More listings, stable prices, and lower mortgage rates—these are the best buyer conditions we’ve seen in years. If you’ve been watching and waiting, now’s your chance to move strategically—especially in the condo and detached segments.


🔹 For Sellers:  Inventory is high. A smart listing strategy—accurate pricing, professional presentation, and local market insights—is essential. Townhouses are moving better than expected, so timing could be on your side if you're in that category.


💡 If you are curious about how your area is performing, make sure to download the free market report below!

📌 市場回顧與重點導讀


雖然夏天一向是房市較為緩慢的時段,尤其今年經歷了近十年來最冷清的春季(除了2019和2020年之外),市場的庫存已創下10年來新高,許多房屋的銷售時間也明顯拉長。不過我們在這個月的報告發現入門級的獨立屋仍然有穩定的買氣,成交速度也不錯;城市屋(townhouse)市場則維持在一個相對平衡的狀態。在這個競爭激烈的市場裡, 正確的定價以及房屋的狀況變得比以往更加關鍵。


📊 大溫哥華2025年6月房市重點數據


  • 總銷售量: 共成交 2,181 筆

⬇️ 較 2024 年 6 月下降 9.8%

⬆️ 較 2025 年 5 月下降 2.1%

📉 低於 10 年同期平均(2,940 筆)達 25.8%

💡 解讀: 成交量仍偏低,但年減幅度已較 5 月縮小一半,顯示買方需求可能逐漸穩定。


  • 新掛牌數量:  6,315 筆

📈 較去年同期增加 10.3%

📈 高於 10 年同期平均(5,604 筆)12.7%


  • 總活躍掛牌數:  17,561 筆

⬆️ 較 2024 年 6 月上升 23.8%

⬆️ 較 2025 年 5 月上升 2.7%

📈 高於 10 年平均(12,223 筆)43.7%

💡 解讀: 買家擁有前所未有的選擇空間,賣家若要脫穎而出,定價與市場定位策略缺一不可。


  • 庫存月份(MOI): 8.05 個月 → 買方市場

💡 解讀: 庫存水位偏高,壓抑價格走勢,提升買家談判籌碼。


  • 房價指數(HPI):$1,173,100

 ⬇️ 較 2024 年 6 月下降 2.8%

 ⬇️ 較 2025 年 5 月下降 0.3%

💡 解讀: 整體價格橫向整理,仍有微幅下壓,各類型房產均受到影響。


  • 不同物業類型的市場狀態

🏡 獨立屋:買方市場

🏘️ 聯排屋:平衡市場

🏢 公寓:買方市場


💬 觀點與實用建議


🔹 給買家

 目前市場供應充足、價格相對穩定,加上按揭利率回落,這是近年來最適合買方入市的時機。尤其是公寓與獨立屋板塊,值得主動出擊,把握機會。


🔹 給賣家

 高庫存環境下,精準的上市策略是關鍵,包括合理定價、專業佈置、掌握區域行情。城市屋表現相對亮眼,若您持有此類型物業,現在可能正是入市的好時機。




💡 想了解您所在地區的市場表現,請下載下面的免費市場報告! 


 



...
By: Ken Hu Team

溫哥華2025年6月地產報告

April Stats

四月數據

Sales : 2,163  (Up 23.6% from March )

銷售 : 2,163    (相比上升23.6% )
Month of Inventory : 7.49 (Buyer Market)
庫存月份 : 7.49   (買家市場)

Home Price :  $1,184,500  (Down 0.5% from March) 

價格指數 :  $1,184,500     (相比月下跌0.5%)






📌 Market Snapshot & What It Means for You

As we close out May, the Greater Vancouver housing market continues to tilt in favor of buyers. Inventory hit another 10-year high, and while sales edged up slightly from April, they remained well below both last year’s levels and long-term seasonal trends. Meanwhile, home prices are easing further, signaling more negotiating room for buyers heading into summer. Here’s this month’s breakdown:


📊 Key Market Metrics: Greater Vancouver, May 2025

Sales Volume: 2,228 homes sold
⬇️ 18.5% lower than May 2024
⬆️ 3% higher than April 2025

💡 What it means: Activity picked up slightly month over month but remains sluggish compared to past years. Buyers are still cautious and selective.


New Listings: 6,620
📈 9.3% above the 10-year seasonal average (6,055)

Total Active Listings: 17,094
⬆️ 25.7% higher than May 2024
⬆️ 5.5% higher than April 2025
📈 45.9% above the 10-year seasonal average (11,718)

💡 What it means: With more homes on the market than we’ve seen in years, buyers have the upper hand. Sellers need to stand out with pricing and presentation.


Months of Inventory (MOI): 7.67 months → firmly in Buyer’s Market territory

💡 What it means: High inventory and slower sales mean buyers can take their time and negotiate better deals.


Home Price Index (HPI):
⬇️ Down 2.9% vs. May 2024
⬇️ Down 0.6% vs. April 2025

💡 What it means: Prices are softening across all property types, providing more accessible entry points for buyers who have been on the sidelines.


🏘️ Inventory Breakdown by Property Type

🏡 Detached Homes: Buyer’s Market
🏘️ Townhomes: Balanced Market
🏢 Condos: Buyer’s Market


💬 Professional Insight & Actionable Advice

🔹 For Buyers:
With listings at a decade high, you now have time and options on your side. It’s an opportune moment to explore areas with higher inventory and focus on motivated sellers who are adjusting prices.

🔹 For Sellers:
It’s no longer enough just to list—you need to compete. Proper pricing, staging, and a strong marketing strategy are key in today’s crowded marketplace. Homes that show value and readiness still attract the right buyers.


💡 If you are curious about how your area is performing, make sure to download the free market report below!


📌 市場回顧與重點導讀

2025年5月,大溫地區房地產市場持續走向買方主導。雖然成交量較4月略有上升,但仍明顯低於去年同期與歷史季節性平均。房屋供應再創10年新高,加上市場節奏放緩,給予買家更多議價空間。另一方面,價格也出現連續下修,為持觀望態度的買家帶來進場機會。以下是本月的數據摘要與解讀:


📊 大溫哥華2025年5月房市重點數據

總銷售量: 共成交 2,228 筆
⬇️ 較2024年5月下降 18.5%
⬆️ 較2025年4月上升 3%

💡 解讀: 銷售按月微幅上升,但與去年相比仍然疲弱,買家依然慎重挑選、觀望為主。


新掛牌數量: 6,620 筆
📈 高於10年季節性平均值 9.3%(6,055 筆)

總活躍掛牌數: 17,094 筆
⬆️ 較2024年5月上升 25.7%
⬆️ 較2025年4月上升 5.5%
📈 高於10年平均值 45.9%(11,718 筆)

💡 解讀: 市場供應達到近十年新高,買家擁有更多選擇與談判空間,賣方若欲脫手需在價格與房屋呈現上下功夫。


庫存月份(MOI): 7.67 個月 → 明確屬於 買方市場

💡 解讀: 高庫存、低成交組合代表買方掌握主導權,能以更佳條件入市。


房價指數(HPI):
⬇️ 較2024年5月下降 2.9%
⬇️ 較2025年4月下降 0.6%

💡 解讀: 各類房型價格全面鬆動,對遲遲未入市的買家來說是難得的窗口期。


🏘️ 不同物業類型的市場狀態

🏡 獨立屋:買方市場
🏘️ 聯排屋:平衡市場
🏢 公寓:買方市場


💬 觀點與實用建議

🔹 給買家:
當前市場供應達到10年高點,您可利用這段時間謹慎挑選並爭取更好條件。建議關注供應充足的社區,優先考慮價格已有調整的物件。

🔹 給賣家:
現在不是「只要放就會賣」的市場。您需要與其他房源競爭,透過合理定價、專業佈置與強化行銷才能吸引買家的注意。在同質性高的市場中,誰能展現價值,誰就有成交機會。



💡 想了解您所在地區的市場表現,請下載下面的免費市場報告! 


 



...
By: Ken Hu Team

溫哥華2025年5月地產報告

April Stats

四月數據

Sales : 2,163  (Up 23.6% from March )

銷售 : 2,163    (相比上升23.6% )
Month of Inventory : 7.49 (Buyer Market)
庫存月份 : 7.49   (買家市場)

Home Price :  $1,184,500  (Down 0.5% from March) 

價格指數 :  $1,184,500     (相比月下跌0.5%)




Click to Watch! 👇🏻





📌 Market Snapshot & What It Means for You

As we wrap up April, Greater Vancouver’s real estate market continues to see growing inventory and softened prices. While sales have inched up compared to March, they remain significantly lower than last year, signaling that buyers are still cautious. With over 16,000 active listings now on the market and months of inventory climbing, we’re firmly in buyer’s market territory. Below are this month’s highlights and key takeaways:


📊 Key Market Metrics: Greater Vancouver, April 2025

 

  • Sales Volume: 2,163 homes sold

⬇️ 23.6% lower than April 2024

⬆️ 3.4%  higher than March 2025

💡 What it means: Sales are slowly gaining momentum month over month, but still lag behind last year’s levels. Buyers are active—but selective.


  • New Listings: 6,846 homes listed

📈 19.5% above the 10-year seasonal average (5,731)


  • Total Active Listings: 16,207

⬆️ 29.7% higher than April 2024

⬆️ 11.4% higher than  March 2025

📈 47.6% higher than the 10-year average (10,979)

💡 What it means: Supply continues to surge, giving buyers more leverage and forcing sellers to adjust their pricing expectations.


  • Months of Inventory (MOI): 7.49  months → firmly in Buyer’s Market territory

💡 What it means: High inventory levels mean buyers have the upper hand. Sellers need to be more competitive on pricing and presentation.


  • Home Price Index (HPI):

⬇️ Down 1.8% vs. April 2024

⬇️ Down 0.5% vs. March 2025

💡 What it means: Prices are softening across the board. This is good news for buyers who’ve been waiting for better entry points.


🏘️ Inventory Breakdown by Property Type

  • 🏡 Detached Homes: Buyer’s Market
  • 🏘️ Townhomes: Balanced Market
  • 🏢 Condos: Buyer’s Market


💬 Professional Insight & Actionable Advice


🔹 For Buyers:

Now is a strategic window—more inventory means less competition and more room to negotiate. If you've been waiting for a buyer-friendly market, this is it. However, don’t expect steep discounts in every segment—focus on motivated sellers and properties that have been sitting.

🔹 For Sellers:

It’s not just about listing—it’s about positioning. In a high-supply market, homes that are priced right and show well still attract serious buyers. Pay attention to recent comparables and don’t rely on outdated peak pricing.



💡 If you are curious about how your area is performing, make sure to download the free market report below!



📌 市場回顧與重點導讀

2025年4月,大溫地產市場持續呈現「供應增加、價格放緩」的趨勢。雖然相比3月銷售量略有上升,但與去年同期相比仍明顯減少,顯示買家態度依然審慎。當前活躍掛牌數超過16,000宗,庫存月份攀升,我們正處於典型的買方市場。以下是本月的市場摘要與關鍵解讀:


📊 大溫哥華2025年4月房市重點數據


  • 總銷售量 :  共成交2,163 筆 

⬇️   2024 年 4 月下降 23.6%

⬆️   2025 年 3 月上升 3.4%

💡 解讀: 銷售表現按月穩步回升,但仍遠低於去年同期,買家活躍但選擇謹慎。


  • 新掛牌數量:6,846 筆 

📈 高於10年季節性平均值 19.5%

 

  • 總活躍掛牌數:16,207  筆

⬆️   2024 年 4 月上升 29.7%

⬆️   2025 年 3 月上升 11.4%

📈 高於10年季節性平均值  47.6%(季節平均為10,979 筆)

💡 解讀: 供應持續湧現,買家談判籌碼增加,賣家須調整價格策略。


  • 庫存月份(MOI) 7.49 個月買方市場

💡 解讀: 高庫存意味著買方佔上風,賣家需更具競爭力地定價與包裝物業。


  • 房價指數(HPI)

⬇️ 較 2024 年 4 月下降 1.8%

⬇️ 較 2025 年 3 月下降 0.5%

💡解讀: 價格整體持續回落,對等待切入點的買家來說是利好。


🏘️ 不同物業類型的市場狀態

🏡 獨立屋:買方市場

🏘️ 聯排屋:平衡市場

🏢 公寓:買方市場


💬 專業觀點 & 實用建議

🔹 給買家:

現在是一個策略性入市的好時機──庫存多代表競爭少、談判空間大。如果你一直在等買家友善的市場,現在就是。但並非每個類型的物業都有明顯議價空間,建議關注動機明確、上市時間較長的房源。

🔹 給賣家:

「放盤」不等於「賣出」——「定位」才是關鍵。在供應充足的市場中,定價合理、展示得宜的房屋依然能吸引認真買家。參考最新的類似成交案例,避免依賴過去的高峰價作為定價依據。



💡 想了解您所在地區的市場表現,請下載下面的免費市場報告!


 



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