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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.
2 z7 m( j8 j: s+ b! SHowever, they are so afraid of the high price then. Now they have missed a great chance to have their first property this year.4 S% a) v) N. a) j* p: e/ V  T9 x
It is always better to buy when it is on the way up than it is on the way down.
4 y  p" s9 ]+ U/ }/ Q% P, }: C# lFor example, the condo average price is around $240,000 this March, now it is $270,000.
- }0 f) o9 a- b: L+ z7 N" ^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 $240,000.  U  t2 U0 F: d, a8 G
I will give it another 6 months if the market go down x months in a row. because house is not like stocks, it cannot go down too fast.
) w3 R7 _6 G* D: T6 C3 u; Q0 DIf you have purchased that unit this March, you will get the interest rate at 5.0. If you get it now, you may get 5.6. If you get it in 6 months,! F% ]7 S  \% e8 Y% C
your mortgage interest rate may have reached 6%.4 t- Q+ I# H/ N2 A* K3 K+ D* ?4 X
House market will not go down if the interest rate is low, so if you want to buy a low price house when it is over priced, you will have bear the high interest rate.( t$ O( Z* \) v
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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
% E2 s% M4 A3 Jif 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
3 Z0 z2 p8 O: b3 Z) Z( K1 Bcondo with $1000/month rent)  Total: $344,040
. L" O8 a+ I* E, U7 G& D6 wif you buy it next March, $240,000, interest rate 6%.  interest(4 Years) $57,600 plus 12 months rent = $12000 Total: $30,96006 o' [; n/ n4 o2 e# G; W. L
We can see what is the best, when it is on its way up, worst?when it is prime(peak).
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So, those who have waited, may have to wait another 6 months. However, who can say the price in next March will be $240,000.. T: B0 I) [  N, h
Cannot it be $270,000? Cannot it be $280,000?
6 T+ D, M2 C& ]% ]9 B+ S0 t! GSo, when to buy, it is always a puzzle. If everybody know when to buy, what is the world like? cannot imagine.
* L" I8 B% [2 y& u6 P. ]! nFor me as a property investor, I will always tell everyboy, it is a good time to buy,
' m0 B/ V) g+ vFor those without a house and try to buy a lower price one, will always try to convince people not to buy, then the market will go down,
, [- }  n- ^# i4 `, |then they will switch to my line and try to "HouHou" to push the market up.. ?  U5 {. @: J1 V% `( ~
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Human weakness.! Z. |8 w, ?% r3 y) W+ N* F
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Well, we are human, we have it.
鲜花(4348) 鸡蛋(18)
发表于 2007-10-13 22:39 | 显示全部楼层
英文帖子一般没有很多人回。lz还是装个中文软件吧。顶一下。
鲜花(49) 鸡蛋(0)
发表于 2007-10-13 22:40 | 显示全部楼层
Z
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发表于 2007-10-14 09:15 | 显示全部楼层
老杨团队 追求完美
原帖由 Crassula 于 2007-10-13 11:58 发表
( P3 _0 \1 S! WFor those without a house and try to buy a lower price one, will always try to convince people not to buy, then the market will go down,& k: |& {) [$ \
then they will switch to my line and try to "HouHou" to push the market up.
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& q$ D8 Q7 V0 s( ~9 p$ k  UHuman weakness.
: m4 P' G) M. N3 w1 ~: m7 V+ v6 E" F: l* t& w
Well, we are human, we have it.

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2 ]& k" n2 e8 O5 l3 D8 n$ h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。- |: y' Q" a$ X- y

6 W+ }  {( p: p1 n6 w- u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

3 a8 {& b6 a" Y- g装不了中文软件也没关系,用这个:* i, R* K1 x6 t  a/ g
http://www.o-cj.com/simo/index.php#
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
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4 R  A: i: \9 E# I6 r; Q永远看牛或者永远看熊的,那是猪。9 c3 E3 V! P) {
/ W, U6 E; k5 N) d, O

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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
( M9 J" u4 X* d- t: a* `+ a. z2 e  nI 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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3 y. [& `* J: L9 K! w+ A. q' [I will buy a house, at the time and location of my choice.
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