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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.
- g  {1 b5 z/ L( h1 X/ T4 MHowever, they are so afraid of the high price then. Now they have missed a great chance to have their first property this year.
+ L- u1 W. H4 z% v. Z. i& lIt is always better to buy when it is on the way up than it is on the way down.
: |9 d% x* Y* V0 K; cFor example, the condo average price is around $240,000 this March, now it is $270,000.
  q; A' _0 F( }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.) |- a- h1 e* M+ x) h: Y
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.
+ r- c  ]' V! vIf 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,2 n5 F, s, |, i" W& P2 o5 H4 t3 m
your mortgage interest rate may have reached 6%.
* X; d. D, |; g8 CHouse 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.
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OK, if you bought this March, $240,000, interest rate 5%. Best deal, total interest in 5years $60,000 Total:$300,0000 {5 f( R8 A: |$ M
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 5 ~3 [* }3 t/ s7 X/ |" O; L
condo with $1000/month rent)  Total: $344,040
8 w& k/ Y4 D# j) b( V. nif you buy it next March, $240,000, interest rate 6%.  interest(4 Years) $57,600 plus 12 months rent = $12000 Total: $30,9600) ]9 P9 a. c: P: ]( ]
We can see what is the best, when it is on its way up, worst?when it is prime(peak).  g6 R* T3 X- Y' A  E& a3 q
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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.% l( `5 t8 X. {
Cannot it be $270,000? Cannot it be $280,000?1 @4 o; A* c! G, N# R, B  j
So, when to buy, it is always a puzzle. If everybody know when to buy, what is the world like? cannot imagine.7 o8 q  y* c1 q7 s. F, c7 s: G
For me as a property investor, I will always tell everyboy, it is a good time to buy,5 f6 ]) y" e$ B- A2 b$ ^
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,
: j9 o; z: U2 l7 s1 T- |, y9 w6 k* ithen they will switch to my line and try to "HouHou" to push the market up.
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Human weakness.. Q* E) o3 @8 T, \  x

8 G, e# T- k. y# QWell, 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
/ Y" s& x7 [4 d2 K4 JFor 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 Z7 E% C, r) h+ Wthen they will switch to my line and try to "HouHou" to push the market up.2 S1 c8 E6 s4 K, t5 c; d

9 G: C, U& p$ q# L  q& ?% THuman weakness.& L$ a7 X- _& e
- j4 j. f" \# ]/ O
Well, we are human, we have it.

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3 o! c% \& o# j' Y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。% O3 z' X- E! H+ k; g! i! y# u
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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
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装不了中文软件也没关系,用这个:* l& |" y. x7 \6 N5 h
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 5 W( [7 t3 B) ?5 c5 f& R

3 P4 j0 X3 K- z) B; R  C4 s5 P, a) |/ H) |! i+ w  N" u5 v9 [
永远看牛或者永远看熊的,那是猪。1 J1 ?# k3 m7 Z7 W6 B# X# |1 j0 D) @
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! r5 \" F2 R$ H8 g- q, B

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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 M) `2 d! x6 o, H7 o- j0 sI hope you are not 猪, and can have house sooner and become one of us.

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2 u5 F: }. W$ B; t. K! p" |* J, }Yes, I won't be bearish all the time.8 E# h2 U7 O6 P" h3 N

$ W" w: @6 N$ }% j2 AI will buy a house, at the time and location of my choice.
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