Super-rich Americans like Mark Zuckerberg and Jay-Z have taken out mortgages for homes — here’s why
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For many people, the only way to buy a house is to finance it with a mortgage and to pay this loan over time.
The best mortgage rates to shopping
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According to federal reserve economic data, in the first quarter of 2025, Median US housing sales price was $ 503,800. Considering that median annual wages were only $ 61,984 in the last quarter of 2024, it is easy to see why typical Americans can barely pay in a house today.
But Uber-Zengin people are in a different position. Those who have billions of dollars in their names can buy a house directly instead of buying credit.
Nevertheless, celebrities such as Mark Zuckerberg, Elon Musk and Jay-Z made headlines to get multimilyon-dollar mortgages-not to get a few basic advantages.
Someone who has billions of their names may not worry about cash flow, but it may be a strategic movement to keep mortgage, maintain liquidity and connect cash money to a relatively non -liquid asset such as real estate.
Take Hollywood Power Double Jay-Z and Beyoncé. According to La Times, despite its clear net values in 2017, although it was 1.6 billion dollars of $ 1.6 billion in 2017, they provided a $ 52.8 million mortgage to buy a Hillside of 88 million dollars in Los Angeles, according to Los Times.
There may be great benefits depending on how their portfolios are allocated for Beyoncé and Jay-Z. “
Even if you do not enter the Elite 1%category of America, you can get an affordable mortgage ratio. The key is not to accept the first offer on the table and to shop at least two or three lenders and get quotations.
According to a study by Lendingtre, 45% of the landlords who received multiple bids received a lower ratio than the first rate.
If you have purchased a fixed house in the last few years, you may have the chance to re -finance a lower rate at the moment.
The second richest man in the world, Mark Zuckerberg (Forbes according to the real -time billionaire list) did the same.
In 2012, Zuckerberg re -financed his home in Palo Alto in California with a 30 -year adjustable mortgage with an estimated $ 15.6 billion net value on the list with a net value of $ 15.6 billion.
Although the rates will probably not go down to this level, the decrease in the rates of the Federal Reserve in the last few months has already been a prominent effect. The median mortgage rates are currently around 6.95% – in October last year falls from 8%.
When the FED is planned to further reduce comparison rates in the coming months, it may be a good idea to start looking at your options.
Ideally, you can get a lower rate by shopping. According to a study from Lendingtre, 56% of the landlords made shopping when they re -finance their mortgages. Moreover, 81% of those who chose to re -finance came with a lower rate than they started.
Even for accredited investors, it can be a difficulty to buy additional property for rent or investment income. Beyond the ongoing maintenance and real estate taxes, there are also responsibilities of managing tenants and the responsibilities of being a host.
Where is this First National Realty Partners (FNRP) Accredited investors may have a shares in the corporate class commercial real estate connected to grocery stores without having to do any of the leg jobs.
The FNRP’s expert team manages the entire life cycle of investment from the care of property to acquisition and tenant management. The company typically rented its property to national brands that sell basic goods such as Walmart, Whole Foods, CVS and Krogger.
Another option for investing in real estates is the US Home Equity Market, a large industry of $ 36 trillion, which has long been reserved for major institutional players. Homeshares transforms this area by providing direct access to accredited investors by hundreds of owners in the main owner. US cities The US home equality fund – without headache of purchasing, possessing or managing property.
The Fund focuses on the houses with important self -equity using home equity agreements (HEAS) to help landlords access the liquidity without paying debt or additional interest rates.
This approach, Invest in high quality housing propertiesPlus the additional benefit of diversification in various regional markets – with a minimum investment of $ 25,000.
Homeshares Furthermore, accredited allows investors to have access to the US home stock market of $ 36 trillion, which historically, the exclusive playground of corporate investors.
With a minimum investment of $ 25,000, investors can be directly exposed to the houses occupied by hundreds of owners in the best US cities through US home stock funds without headaches.
With internal returns set to 14% to 17%, this approach provides effective and disposed way. Invest in ownership housing properties Among the regional markets.
This article only provides information and should not be interpreted as advice. It is provided without any warranty.
