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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.
- s0 Q) ?8 L7 C* j3 t7 g3 N2 m( [However, they are so afraid of the high price then. Now they have missed a great chance to have their first property this year.0 ]+ s/ T( m- H' ~
It is always better to buy when it is on the way up than it is on the way down.# q+ ^5 L: y0 h; z& F; v
For example, the condo average price is around $240,000 this March, now it is $270,000.7 u) S0 s1 }) f+ u3 W' b% C& ^
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.
- j% {1 ^4 `, J! T- P: aI 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.
5 e8 o# g9 t' R. m' WIf 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,
, M4 ^1 u& y  }. N% ryour mortgage interest rate may have reached 6%.
' v+ Z% J; L4 JHouse 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.8 I6 w2 u& c  @" Q7 U! Z* e
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OK, if you bought this March, $240,000, interest rate 5%. Best deal, total interest in 5years $60,000 Total:$300,0004 _) Y' a- |* k! t* T, B$ a
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 9 }' ^. F5 F3 Q
condo with $1000/month rent)  Total: $344,0400 t) j. b- j! F: m" U( w$ F
if you buy it next March, $240,000, interest rate 6%.  interest(4 Years) $57,600 plus 12 months rent = $12000 Total: $30,9600
. F8 f' M7 F+ {: K! K2 \% p  [. s9 dWe 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.
2 c* q: z& H( w, eCannot it be $270,000? Cannot it be $280,000?
% ]6 T% l; z& D# d& JSo, when to buy, it is always a puzzle. If everybody know when to buy, what is the world like? cannot imagine.3 M0 W2 y5 V* F/ C2 x" C
For me as a property investor, I will always tell everyboy, it is a good time to buy,4 p: s. d9 M0 h: w2 r& 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,
6 _; v' X2 W4 h/ B4 x+ xthen they will switch to my line and try to "HouHou" to push the market up.
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Human weakness.7 c8 b/ q, n* U2 E3 O) Z

% o7 M  T# _$ k' Y8 `' o9 A2 `Well, we are human, we have it.
理袁律师事务所
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
3 ~, g) ?- k1 x+ E# d. R- r# F, qFor 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,5 A( L+ a7 w% K$ p* q
then they will switch to my line and try to "HouHou" to push the market up.
  B, }+ s8 n+ c  h$ p0 P! g" @) n# K! E2 q0 V) @, ~$ w
Human weakness.
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1 ?: I/ @# W* |# D; V" D* tWell, 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。2 G/ a1 M2 W' A% E. w& x  _) L  c4 J' V
4 V2 O$ n" @5 O8 K! A( d  Q
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

7 t$ Q4 |' i$ |) V装不了中文软件也没关系,用这个:5 @2 I1 K; J5 }  y3 O* k* g( Q' T
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
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3 ]1 d! j4 U# ~; o* ]( r/ F5 s! Y永远看牛或者永远看熊的,那是猪。$ B! \) u8 X1 r& M% q& O
$ N* }9 K8 N5 a0 d  {
4 }' `, w# X2 u3 `) \) ]: C
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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 , J. i) ^! M" i) v" P4 Q
I hope you are not 猪, and can have house sooner and become one of us.

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$ _" [5 m0 n  a( f) E9 C! zYes, I won't be bearish all the time.  V: F( B% M9 y% @% |7 q/ s# N

9 ]) ~  w1 s6 K' LI will buy a house, at the time and location of my choice.
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