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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.
6 k  R2 M0 P- _/ c: a) g; o7 `However, they are so afraid of the high price then. Now they have missed a great chance to have their first property this year., D% s! j: v% Q" t6 `
It is always better to buy when it is on the way up than it is on the way down.
5 ~0 q* D) ^+ d1 u1 ]For example, the condo average price is around $240,000 this March, now it is $270,000.
! @7 N- m5 @" j/ V8 {1 ySay, 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 $240,000.. s% m& |+ Y4 w; U5 l
I will give it another 6 months if the market go down x months in a row. because house is not like stocks, it cannot go down too fast.
9 D- z  d. u' ^  D& x9 l$ ~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 f1 P9 G2 l+ ]your mortgage interest rate may have reached 6%.  m" k* g9 P# S0 }
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.& \9 h2 m  J( D8 h' q

' b) p" ?9 `9 R: Z4 m7 d, }OK, if you bought this March, $240,000, interest rate 5%. Best deal, total interest in 5years $60,000 Total:$300,000
3 C+ ]6 g0 V" q+ b7 ~6 t. Zif 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
& O1 p. @  F/ @& bcondo with $1000/month rent)  Total: $344,040) G3 c5 ^1 V$ O1 b' s0 N
if you buy it next March, $240,000, interest rate 6%.  interest(4 Years) $57,600 plus 12 months rent = $12000 Total: $30,9600+ s' P) S0 X0 l- _$ J# j/ c9 p
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 $240,000.7 A( a1 e0 u2 y, Q/ l
Cannot it be $270,000? Cannot it be $280,000?
7 ~" {  K  E& }8 |/ bSo, when to buy, it is always a puzzle. If everybody know when to buy, what is the world like? cannot imagine.
; F  |5 L: q! rFor me as a property investor, I will always tell everyboy, it is a good time to buy,
1 T! ~  G  G* g, wFor those without a house and try to buy a lower price one, will always try to convince people not to buy, then the market will go down,
. z& P/ \" {% d3 w* H$ p/ uthen they will switch to my line and try to "HouHou" to push the market up.
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+ ~/ W0 l4 s3 V! l% M+ fHuman weakness.
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" ]7 A) B) P! U+ ?4 jWell, 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
* I: m0 b5 w6 F" z& z3 pFor 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 t+ A1 \- I5 Hthen they will switch to my line and try to "HouHou" to push the market up.( y) H0 J6 ?! ?0 G- A# T- D
! B( v( z1 {6 M5 d; u
Human weakness./ Y5 d6 [6 U: z4 A" p& D

/ I- s1 M  l6 _7 M; yWell, we are human, we have it.

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2 X. r/ J3 E0 W. N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。/ O$ z0 ~0 m2 P; b8 B

" _; v; g% }7 a3 l5 u# V9 B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.
理袁律师事务所
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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:
9 Y3 m" b$ ^' P2 }" [0 g8 I  Fhttp://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 0 _! ?# q* d0 V. c8 O1 U; L

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5 [, z" T1 R# s' Y0 P# J永远看牛或者永远看熊的,那是猪。4 j6 D3 M% H9 M1 u" V
4 g/ r, S1 C* K9 R/ d' x4 L

' P7 o" D& Q! y+ D0 j+ U2 [( j; d$ d! Z' P; o2 ]- p: n( ?
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
( Q, w& P, F0 z  g3 yI 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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