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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.
# ^4 o/ a; U2 Y4 s3 gHowever, they are so afraid of the high price then. Now they have missed a great chance to have their first property this year.
. S! K  [' F+ p6 L) w/ CIt is always better to buy when it is on the way up than it is on the way down.
1 I" w3 o: p. D2 |# TFor example, the condo average price is around $240,000 this March, now it is $270,000.8 Q6 A3 O9 j- B; b* ?! X
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 $240,000.
, _. e6 A6 A. ^8 R. u( p: bI will give it another 6 months if the market go down x months in a row. because house is not like stocks, it cannot go down too fast.; t+ R9 z) ?  ^/ U; s, A
If you have purchased that unit this March, you will get the interest rate at 5.0. If you get it now, you may get 5.6. If you get it in 6 months,
! `6 l, j  ?- L4 U2 u- L, \your mortgage interest rate may have reached 6%.. J  s" F, I4 M% b  Q
House market will not go down if the interest rate is low, so if you want to buy a low price house when it is over priced, you will have bear the high interest rate.$ v, Z% k, C( i7 ^# D* |
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OK, if you bought this March, $240,000, interest rate 5%. Best deal, total interest in 5years $60,000 Total:$300,0000 o. Y7 O- F& f+ X# n; D$ E9 ~6 Z
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 ' p, m# c9 H1 @+ T# ?; H
condo with $1000/month rent)  Total: $344,040
) m# n( m, ]* c  M! o0 Y  d$ Z8 Aif you buy it next March, $240,000, interest rate 6%.  interest(4 Years) $57,600 plus 12 months rent = $12000 Total: $30,9600
) ~" U( D- a2 e" y, x+ }We can see what is the best, when it is on its way up, worst?when it is prime(peak).2 O& w" r1 n* `3 G, b7 P
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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.
% N+ ^3 d3 p* m6 ?) n8 \* v, WCannot it be $270,000? Cannot it be $280,000?  M4 L5 B; t( m5 v
So, when to buy, it is always a puzzle. If everybody know when to buy, what is the world like? cannot imagine.
, N+ _  k* s& R3 |( YFor me as a property investor, I will always tell everyboy, it is a good time to buy,
& o+ `; ~* {6 i& i! uFor 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,
9 g8 x! I- t7 V" Pthen they will switch to my line and try to "HouHou" to push the market up.9 Z# K0 [1 G8 l9 h1 M
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Human weakness.
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' b* u8 \7 h# E7 uWell, 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 # U: c( _9 `" _, N
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,
4 ^1 W, B( g5 P3 i4 Vthen they will switch to my line and try to "HouHou" to push the market up.
2 b. N" k: g( E4 p; a* ^( _0 w( e; z* d9 ?+ Z
Human weakness.
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& w: G. e! i5 @9 WWell, 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.
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发表于 2007-10-15 07:49 | 显示全部楼层

1 G' ]1 L( N1 ?' F, R装不了中文软件也没关系,用这个:
) H7 P! T3 {0 O1 [% k# `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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永远看牛或者永远看熊的,那是猪。
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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
/ a! G# B, Z; ~0 u" b) mI hope you are not 猪, and can have house sooner and become one of us.
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0 I* T* y( L% |" [. h& dYes, I won't be bearish all the time.
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6 h" C* \8 }: [' BI will buy a house, at the time and location of my choice.
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