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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.% ?0 q* H5 R1 X
However, they are so afraid of the high price then. Now they have missed a great chance to have their first property this year.$ c; e. {: c. d% p7 \  H8 t
It is always better to buy when it is on the way up than it is on the way down.
& J# Q3 i" C" j3 r  S9 AFor example, the condo average price is around $240,000 this March, now it is $270,000.  o& G  y8 @- Q3 t8 o- I. s& I( k
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 $240,000.3 ~- ^6 y) Y4 m, W
I will give it another 6 months if the market go down x months in a row. because house is not like stocks, it cannot go down too fast.* G1 r5 H2 H, u4 x0 V0 o
If you have purchased that unit this March, you will get the interest rate at 5.0. If you get it now, you may get 5.6. If you get it in 6 months,0 a8 _, x8 k$ D  m; u( D) A; D; L; O$ Z
your mortgage interest rate may have reached 6%.2 Q" l3 h' S6 a3 L5 ?1 E1 p8 @
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: d5 Q  A

# k2 I+ W6 j! p1 c5 B) d( l; EOK, if you bought this March, $240,000, interest rate 5%. Best deal, total interest in 5years $60,000 Total:$300,0001 v1 c1 E" y' C1 y5 B9 w
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
: p8 o* o1 D( h  x+ U8 Ucondo with $1000/month rent)  Total: $344,040( u$ V3 K% B1 {& z0 e
if you buy it next March, $240,000, interest rate 6%.  interest(4 Years) $57,600 plus 12 months rent = $12000 Total: $30,9600
# C/ |$ N7 E3 qWe can see what is the best, when it is on its way up, worst?when it is prime(peak).: G- V4 {- j4 d- M% _( C! z

9 d+ b4 t! h1 h* m2 w# \- [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.
  f; m7 I1 O# c) g  W3 f7 `Cannot it be $270,000? Cannot it be $280,000?
4 t5 v% ], e6 E: A: |: TSo, when to buy, it is always a puzzle. If everybody know when to buy, what is the world like? cannot imagine.
' i- `" ^" V8 x) y0 ^: g# _* yFor me as a property investor, I will always tell everyboy, it is a good time to buy,3 v- }" k; t* h( R5 f. ]
For those without a house and try to buy a lower price one, will always try to convince people not to buy, then the market will go down,
5 _4 \; M# C1 m& q  J" J1 Jthen they will switch to my line and try to "HouHou" to push the market up.
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Human weakness.
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Well, we are human, we have it.
鲜花(4348) 鸡蛋(18)
发表于 2007-10-13 22:39 | 显示全部楼层
英文帖子一般没有很多人回。lz还是装个中文软件吧。顶一下。
鲜花(49) 鸡蛋(0)
发表于 2007-10-13 22:40 | 显示全部楼层
Z
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发表于 2007-10-14 09:15 | 显示全部楼层
老杨团队 追求完美
原帖由 Crassula 于 2007-10-13 11:58 发表   D' |% n0 C: X2 ^& h( i& k) `
For those without a house and try to buy a lower price one, will always try to convince people not to buy, then the market will go down,
" t8 b5 s& \9 N+ b( Q! hthen they will switch to my line and try to "HouHou" to push the market up.. U4 _1 }. M8 B+ ]* n
# b0 H; w( V* D& T
Human weakness.
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$ V: X3 c0 ~; MWell, we are human, we have it.
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6 _4 J5 G2 E% b5 @! C' M, {) @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。4 X1 n# N* B7 ~# F5 b, `  @
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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

$ _; G/ m6 \( `" B装不了中文软件也没关系,用这个:
3 G+ H2 d4 C% s$ _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 / m8 W; T0 E1 ]$ y2 z. h/ c

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永远看牛或者永远看熊的,那是猪。# M, f7 W. w& p. ]
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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! t0 Q6 |6 d9 d& p
I 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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