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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.% ?. m4 w, T. N8 w9 b
However, they are so afraid of the high price then. Now they have missed a great chance to have their first property this year.
; ~  U: r2 D, ]7 ^5 W) q2 ~# i8 qIt is always better to buy when it is on the way up than it is on the way down.
3 |5 U' j" w( f  JFor example, the condo average price is around $240,000 this March, now it is $270,000.
' ^( K. P: A2 eSay, 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 $240,000.0 `" n( Z5 ~$ I1 r( d4 ?7 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.' h! g5 p1 L4 h! Q
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,9 B4 N8 Z9 s6 P* K5 S
your mortgage interest rate may have reached 6%.! ~& o5 o) h6 x
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.$ m) @: g8 c$ e2 p
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OK, if you bought this March, $240,000, interest rate 5%. Best deal, total interest in 5years $60,000 Total:$300,000
( F8 f: P2 p9 i$ Z# P; kif you buy it now, $270,000, interest rate 5.6%.   interest(4 years and 6 months) $68040 plus 6 months rent = $6000 (you may not get the same 1 g! U5 l7 V0 R$ g: M* q# v4 I+ Z- Y
condo with $1000/month rent)  Total: $344,040/ Q) |( t$ K5 s2 P
if you buy it next March, $240,000, interest rate 6%.  interest(4 Years) $57,600 plus 12 months rent = $12000 Total: $30,9600& T* C( c  O4 t7 h2 V. u
We can see what is the best, when it is on its way up, worst?when it is prime(peak).$ o) M, v; Y% f0 i3 q' |8 t

0 z/ W+ t+ u: m- X  x& n/ w- w4 rSo, those who have waited, may have to wait another 6 months. However, who can say the price in next March will be $240,000.
$ p% }# u' b" dCannot it be $270,000? Cannot it be $280,000?
$ G$ O, `  l& V, n, ISo, when to buy, it is always a puzzle. If everybody know when to buy, what is the world like? cannot imagine.; d" w+ ?6 u6 q$ V5 Y
For me as a property investor, I will always tell everyboy, it is a good time to buy,6 v$ t+ O: m0 n& y
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,
+ ?# o' W/ X$ T' t; |7 ]) Lthen they will switch to my line and try to "HouHou" to push the market up.
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Human weakness.9 i6 s$ K9 e7 O
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Well, 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
8 n* ]( F: Q. H. P0 r! T' h( y" dFor 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,
. C5 C7 T2 y: s' Cthen they will switch to my line and try to "HouHou" to push the market up.- V! C$ G* H9 b0 m
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Human weakness.
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Well, we are human, we have it.
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; N& z) x  n1 d% Z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
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装不了中文软件也没关系,用这个:
( V* \; p, d: P' B, I# s( t; C- K+ ^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 7 G3 |8 T. f& {! C6 y" G
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永远看牛或者永远看熊的,那是猪。- _7 ^( T9 O% Y& [* }% Q5 b

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大型搬家
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
, h3 l) f6 I% v* V( ]* |I hope you are not 猪, and can have house sooner and become one of us.

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" Y3 V- W" t7 P" YYes, 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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