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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.
% }9 [% _, _4 p$ L9 {! NHowever, they are so afraid of the high price then. Now they have missed a great chance to have their first property this year.% z+ [1 f1 m9 Q' u. y- T
It is always better to buy when it is on the way up than it is on the way down.3 f* S4 g4 ]7 ?% @! f
For example, the condo average price is around $240,000 this March, now it is $270,000.
! o$ O; g" o+ A; E3 M5 LSay, 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 $240,000.; c8 h# i) ?  Z) j0 c
I will give it another 6 months if the market go down x months in a row. because house is not like stocks, it cannot go down too fast.
8 Z5 v5 v# I- }$ T, X$ CIf 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,
1 `( w$ O$ Z) B' t! p3 f7 _your mortgage interest rate may have reached 6%.
9 z2 O$ M5 ^- C) s5 \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.- K' V' }9 t; 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:$300,0007 U, W$ |* |6 s7 \3 g
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 8 v, O9 P3 G' H
condo with $1000/month rent)  Total: $344,0407 U5 t6 P8 c$ c, E' K
if you buy it next March, $240,000, interest rate 6%.  interest(4 Years) $57,600 plus 12 months rent = $12000 Total: $30,9600  o; d/ |! C3 c5 r8 Y/ Q7 O* ?
We 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.( f' [8 W5 ]8 o
Cannot it be $270,000? Cannot it be $280,000?
5 U( R! K3 g& I- B2 F; N/ uSo, when to buy, it is always a puzzle. If everybody know when to buy, what is the world like? cannot imagine.1 M: y3 }+ V  P" r6 V* Z+ Y6 A( D) z
For me as a property investor, I will always tell everyboy, it is a good time to buy,  x" E( @1 c, k+ o
For those without a house and try to buy a lower price one, will always try to convince people not to buy, then the market will go down,$ q8 @& ]* g  D+ M3 R
then they will switch to my line and try to "HouHou" to push the market up.( [8 a, H& A) u7 k* Z
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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 # y! y) M! G+ v* ]) w+ a8 p5 l$ |( H
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,
+ ~) r) y/ b5 u; [0 K- i8 Dthen they will switch to my line and try to "HouHou" to push the market up.2 _8 ]) d0 P4 g6 e  f+ J0 G" `4 e1 S

) n6 F* s! u9 J. r- r  ^, q4 eHuman weakness.
! i0 I% O8 f, N3 q1 R, P3 E; t1 L. D9 E3 C
Well, 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。; K7 Q+ p) q8 V8 Q( X
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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

8 @/ q* y% J* L: x装不了中文软件也没关系,用这个:
& R& D; w! I1 r# S, Nhttp://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
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永远看牛或者永远看熊的,那是猪。
" Y5 n9 f) P5 _$ ]
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Z
鲜花(0) 鸡蛋(0)
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
+ Q- R3 w; m/ @+ x" sI hope you are not 猪, and can have house sooner and become one of us.

& L9 h1 U! `' E- p- @, I
; A7 a+ X; C$ v( C' Z$ A% d5 W5 g" _Yes, I won't be bearish all the time.2 \$ Q) f" S* t3 e

2 C8 Z( j* n6 @6 tI will buy a house, at the time and location of my choice.
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