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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.7 X# S9 ~! C, ^, G" z  h( O! H
However, they are so afraid of the high price then. Now they have missed a great chance to have their first property this year.' |' o' u( P- j& ~5 N; G$ F
It is always better to buy when it is on the way up than it is on the way down.1 {- ~8 B) B4 B1 l% \9 s( A' p
For example, the condo average price is around $240,000 this March, now it is $270,000.- ?( q, b$ X" J. T' E
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 $240,000.
  n6 \4 M( |0 c: ~6 }) [I will give it another 6 months if the market go down x months in a row. because house is not like stocks, it cannot go down too fast.  g( b' [" _  n: F$ G  r1 {
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,
' m% N4 r1 Q' e* c  f# M3 ]- wyour mortgage interest rate may have reached 6%.
# y' z) a9 Y! G* qHouse 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.% j+ t: ]( M! m( Y- S
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OK, if you bought this March, $240,000, interest rate 5%. Best deal, total interest in 5years $60,000 Total:$300,000! a8 E5 d  A$ Y4 S0 o
if you buy it now, $270,000, interest rate 5.6%.   interest(4 years and 6 months) $68040 plus 6 months rent = $6000 (you may not get the same * R$ c, s4 C6 C/ }* G9 o
condo with $1000/month rent)  Total: $344,040: r+ v% e; n( E& V
if you buy it next March, $240,000, interest rate 6%.  interest(4 Years) $57,600 plus 12 months rent = $12000 Total: $30,9600
. y* H( T- P' ~* N, c/ W1 G  nWe can see what is the best, when it is on its way up, worst?when it is prime(peak).+ G& t$ s. N7 T3 L/ X

& A/ }7 ]& E0 Y3 s# ~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.; Q; h0 `( z" `
Cannot it be $270,000? Cannot it be $280,000?
6 F7 @: y) z4 b9 F: [2 cSo, when to buy, it is always a puzzle. If everybody know when to buy, what is the world like? cannot imagine.
- w& ?* V& Q2 Z) G& m$ c3 iFor me as a property investor, I will always tell everyboy, it is a good time to buy,
: h  ]% b1 K* MFor 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,
, f) f: u# B' L7 b! O6 l/ uthen they will switch to my line and try to "HouHou" to push the market up.9 ?4 s4 C$ s# l1 j$ h$ v
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Human weakness.( }) q4 l+ {) I' d8 W9 \

7 g2 ^' n3 ~3 gWell, 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。
理袁律师事务所
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
' b- v& p7 j& ^7 W; G8 tFor 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,: S" [1 K& ?) G7 R6 ~$ }/ r
then they will switch to my line and try to "HouHou" to push the market up.
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Human 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。
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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

0 i; ^) B- v$ g" G1 {( c装不了中文软件也没关系,用这个:
1 Y4 Y2 j  _# A# T( ehttp://www.o-cj.com/simo/index.php#
理袁律师事务所
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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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
" P8 G; V# P8 Y/ [6 BI 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 j4 V5 a, T7 t: s: y) {- ?5 P4 w+ pI will buy a house, at the time and location of my choice.
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