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When to buy

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鲜花(0) 鸡蛋(0)
发表于 2007-10-13 10:58 | 显示全部楼层 |阅读模式
老杨团队,追求完美;客户至上,服务到位!
So many people have been waiting the market to slow down from last year, some of them have the down payment to purchase this spring.  n7 ?5 Q- E  n7 T2 J
However, they are so afraid of the high price then. Now they have missed a great chance to have their first property this year.
( B  B- F  H+ M) \* nIt is always better to buy when it is on the way up than it is on the way down.% j5 W  t1 Q) h: f7 I
For example, the condo average price is around $240,000 this March, now it is $270,000.: U% k1 |2 T* Q2 `: K
Say, it is at its prime now even though there is no sign in the condo section yet. Can any body guess, when it will come down to $240,000.
( X. F! ~8 H& z; g. `- C/ A6 WI will give it another 6 months if the market go down x months in a row. because house is not like stocks, it cannot go down too fast.' W, u9 \% w1 c3 m
If you have purchased that unit this March, you will get the interest rate at 5.0. If you get it now, you may get 5.6. If you get it in 6 months,1 {. d' {/ J: G; Y: U
your mortgage interest rate may have reached 6%.# b+ H+ \2 K2 b2 [, z) c, C& e2 J
House market will not go down if the interest rate is low, so if you want to buy a low price house when it is over priced, you will have bear the high interest rate.% P" ]& ^7 I# v' @; l* y5 n' a# f
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OK, if you bought this March, $240,000, interest rate 5%. Best deal, total interest in 5years $60,000 Total:$300,000$ [+ M$ h. u+ H, o3 [
if you buy it now, $270,000, interest rate 5.6%.   interest(4 years and 6 months) $68040 plus 6 months rent = $6000 (you may not get the same
. v( b5 o3 C, C, Icondo with $1000/month rent)  Total: $344,040
# D( g* W3 a- Dif you buy it next March, $240,000, interest rate 6%.  interest(4 Years) $57,600 plus 12 months rent = $12000 Total: $30,9600+ t9 O2 U, f* N0 g
We can see what is the best, when it is on its way up, worst?when it is prime(peak).; m4 l& \9 K: t/ C; f4 P

% x9 f9 c1 s, r6 w; lSo, those who have waited, may have to wait another 6 months. However, who can say the price in next March will be $240,000.' u, _; a5 d& i6 j. x" C
Cannot it be $270,000? Cannot it be $280,000?
" b( y' ~9 f) ?" w7 ?So, when to buy, it is always a puzzle. If everybody know when to buy, what is the world like? cannot imagine.2 u9 p8 G/ v4 a/ C
For me as a property investor, I will always tell everyboy, it is a good time to buy,
8 ~. |& b+ x3 r' oFor those without a house and try to buy a lower price one, will always try to convince people not to buy, then the market will go down,
2 Y9 u" ~9 N, |/ L9 K- U% b  o& V+ Ythen they will switch to my line and try to "HouHou" to push the market up.+ ]) h* M. I" |- b
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Human weakness.
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Well, we are human, we have it.
鲜花(4348) 鸡蛋(18)
发表于 2007-10-13 22:39 | 显示全部楼层
英文帖子一般没有很多人回。lz还是装个中文软件吧。顶一下。
鲜花(49) 鸡蛋(0)
发表于 2007-10-13 22:40 | 显示全部楼层
Z
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发表于 2007-10-14 09:15 | 显示全部楼层
老杨团队 追求完美
原帖由 Crassula 于 2007-10-13 11:58 发表
/ n) v8 P" N; j0 t* I; E& B" ZFor those without a house and try to buy a lower price one, will always try to convince people not to buy, then the market will go down,
4 _; i* o+ t7 k7 L9 A9 vthen they will switch to my line and try to "HouHou" to push the market up.
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, A: P; c- _* OHuman weakness.
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Well, we are human, we have it.
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呵呵,我不认为这是人性弱点。永远看牛或者永远看熊的,那是猪。3 i4 L, n: h& N
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能在恰当时间改变阵营的才是识时务者为俊杰。
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 楼主| 发表于 2007-10-14 09:41 | 显示全部楼层

回复 #4 Z 的帖子

I hope you are not 猪, and can have house sooner and become one of us.
鲜花(0) 鸡蛋(0)
发表于 2007-10-15 07:49 | 显示全部楼层

) ~! A& z& m3 ^/ \- Y, s装不了中文软件也没关系,用这个:
! F8 Y4 ~# k( l- `http://www.o-cj.com/simo/index.php#
大型搬家
鲜花(0) 鸡蛋(0)
发表于 2007-10-15 07:50 | 显示全部楼层
老杨团队,追求完美;客户至上,服务到位!
原帖由 Z 于 2007-10-14 10:15 发表 ( O: R& r5 t1 M* O- _" u" ?5 g

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2 J, E+ h) s/ b4 Z; }永远看牛或者永远看熊的,那是猪。
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Z
鲜花(0) 鸡蛋(0)
发表于 2007-10-15 08:32 | 显示全部楼层
原帖由 Crassula 于 2007-10-14 10:41 发表
6 E. B5 [, J) h6 K3 xI hope you are not 猪, and can have house sooner and become one of us.
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Yes, I won't be bearish all the time.
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I will buy a house, at the time and location of my choice.
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