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When to buy

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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." J8 M  T% ]+ v: X
However, they are so afraid of the high price then. Now they have missed a great chance to have their first property this year.
1 x6 D& j+ b1 sIt is always better to buy when it is on the way up than it is on the way down.
7 F+ |( a. \3 u4 v; Y+ V" |0 \For example, the condo average price is around $240,000 this March, now it is $270,000.
0 z; W  @) w( @/ G9 a% cSay, 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 $240,000.7 w0 a' L" t9 i9 A9 v: t
I will give it another 6 months if the market go down x months in a row. because house is not like stocks, it cannot go down too fast.
( h8 u6 X3 P2 q/ m3 eIf you have purchased that unit this March, you will get the interest rate at 5.0. If you get it now, you may get 5.6. If you get it in 6 months,: M; |% \- N3 L$ {% D1 q
your mortgage interest rate may have reached 6%.
; s5 H% f6 C: O1 b6 GHouse 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.: c! l' a  R- e  S8 I
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OK, if you bought this March, $240,000, interest rate 5%. Best deal, total interest in 5years $60,000 Total:$300,000$ s+ s9 v" K9 k1 X5 \
if you buy it now, $270,000, interest rate 5.6%.   interest(4 years and 6 months) $68040 plus 6 months rent = $6000 (you may not get the same , G9 B2 W/ Y0 h$ y0 ^6 F' g
condo with $1000/month rent)  Total: $344,040
! U& z: y2 X% W) U# j7 o3 ?$ a8 q' tif you buy it next March, $240,000, interest rate 6%.  interest(4 Years) $57,600 plus 12 months rent = $12000 Total: $30,9600
( w4 s+ t3 O  i1 ^* r7 PWe 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 $240,000.
8 _  @3 w# ^) x/ E$ b1 b! ACannot it be $270,000? Cannot it be $280,000?0 d6 y) K" Z; I% [" S' u
So, when to buy, it is always a puzzle. If everybody know when to buy, what is the world like? cannot imagine.6 H6 l0 r$ i1 ^! \
For me as a property investor, I will always tell everyboy, it is a good time to buy,
, j5 v+ ^+ m8 d6 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,
+ T/ X5 l7 k. {* ?# B* hthen they will switch to my line and try to "HouHou" to push the market up./ |$ G3 j/ |: @6 z! M

' ]  m) h; Y) EHuman 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。
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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 6 j) W$ l' m+ l6 X; N& V' `
For 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,
0 Y; ]" y; M9 C0 o" r) wthen they will switch to my line and try to "HouHou" to push the market up.
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$ s0 u: p. U8 P! ?. bHuman weakness.* ?) |& [, X, |- ~! Z5 A
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Well, we are human, we have it.

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/ W8 V& P' e8 ~! \" Z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。  u4 n- H" F4 ~0 I0 t; x
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能在恰当时间改变阵营的才是识时务者为俊杰。
大型搬家
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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.
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发表于 2007-10-15 07:49 | 显示全部楼层
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装不了中文软件也没关系,用这个:, O& f' |& g7 J6 e$ H
http://www.o-cj.com/simo/index.php#
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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 : w1 T+ a% j8 i3 O* E
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1 `% `6 r$ \9 w* T7 d( e永远看牛或者永远看熊的,那是猪。, g1 ~4 A' L! Q9 }! t2 t, {
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Z
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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 ! _; ?5 p* x- i( c3 Q
I hope you are not 猪, and can have house sooner and become one of us.

8 m4 y& f5 y0 h$ }* s7 Z. F; b+ y- W" H, n! h$ @
Yes, I won't be bearish all the time.; ^. r3 `/ g' x
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I will buy a house, at the time and location of my choice.
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