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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.+ H: D7 E0 A  j& ]& l! R
However, they are so afraid of the high price then. Now they have missed a great chance to have their first property this year.
. _5 \6 @& V) B, h% b; \% y4 _It is always better to buy when it is on the way up than it is on the way down.. B; `& T; k3 M( W
For example, the condo average price is around $240,000 this March, now it is $270,000.$ A8 p; M* H$ Y
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.
" o0 N* ^& X4 r2 U/ h4 _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.* X- K3 E/ W. d0 W; ?# f
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,
+ |+ @4 Q4 L+ |your mortgage interest rate may have reached 6%.
% L: R: W# c( z- X5 q. B: KHouse 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.) }" u) u: ?% p# {

6 i+ Y" i6 F4 c8 I; hOK, if you bought this March, $240,000, interest rate 5%. Best deal, total interest in 5years $60,000 Total:$300,000
) |) M) m+ n0 g$ m, `* N: w* Xif 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 Y9 p1 D& }+ N  e- M" p; bcondo with $1000/month rent)  Total: $344,040# U  g- c6 N: M% A
if you buy it next March, $240,000, interest rate 6%.  interest(4 Years) $57,600 plus 12 months rent = $12000 Total: $30,9600
% E# y8 t6 T0 j7 MWe 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 $240,000.$ a; {0 C( g/ J% i
Cannot it be $270,000? Cannot it be $280,000?8 h1 k% ?: H6 e
So, when to buy, it is always a puzzle. If everybody know when to buy, what is the world like? cannot imagine.
/ u" E0 ?9 R9 _' D; eFor me as a property investor, I will always tell everyboy, it is a good time to buy,9 n- r9 C3 z, I6 i
For those without a house and try to buy a lower price one, will always try to convince people not to buy, then the market will go down,
. d! }5 D, r" [$ y! Q+ ~* sthen 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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* r: r) Y1 o. J. G" ^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。
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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
( {0 e; F* e7 U+ s: vFor 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,& R+ s' y4 Y2 ?/ u
then they will switch to my line and try to "HouHou" to push the market up.; a- f. e2 ?. N6 S+ c% P; W  ]; h' {
' Y; v8 ]4 y3 S, y# _# S
Human weakness.
9 t/ b3 _1 v* V6 Z1 }
) q" [( g9 C1 e: VWell, 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
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装不了中文软件也没关系,用这个:! O) S+ G1 J0 v2 o  D* y
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 9 t, t0 k7 O) k* |3 f4 ?& b: b! W

8 {, [$ P& m+ M) v3 Z) V5 e* `2 ~* E- U; O- n" b9 c
永远看牛或者永远看熊的,那是猪。
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* E3 g' W3 _: G  |! b/ F

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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 + Z  e1 i5 k2 ]; H0 V% z
I hope you are not 猪, and can have house sooner and become one of us.

# o& V  Z$ L' H6 z( n8 [
$ m" A* p) R( P1 G' k; [4 w% jYes, I won't be bearish all the time.! a; Z$ W( B4 w3 O( l, I; Q

( v% D/ _1 Z& \% L8 m* I: t( WI will buy a house, at the time and location of my choice.
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